davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

This morning, XXXX XXXX, 2016 I received consistently annoying calls from Ocwen Loan Servicing company on my landline used primarily for my home security system beginning at XXXX from one of their call centers out of XXXX . When I picked up the phone and said hello there was silence then a click as though my voice was being recorded then they hung up. The phone calls continued back to back consistently till I left the house at XXXX. Someone was purposely dialing, and/or pushing an automatic call button to annoy me early in the morning. They were harassing me and causing a lot of mental stress for me and my household.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have been receiving calls from Portfolio Recovery trying to recover a debt to XXXX 's. While I had a XXXX 's credit card, the account was paid in full and closed over a year ago. All information XXXX XXXX provided to me ( my addresses I have lived, date account was opened and used, and the balance owed ) was all wrong. When I told him that was not my account, he then said he could mail me a dispute form. However, he could not tell me my address, which again I reiterated it clearly was not for me. He said he would continue to call until I provided my address. He called from XXXX and provided the callback number of XXXX, which are different numbers than the corporate number posted online at XXXX. This debt is not mine, I do n't even have a XXXX 's account anymore, and I would like for this company to stop calling me.
Consumer complaint received 2015-12-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: LTD Financial Services, L.P. (NY)

COLLECTION NOTICE SENT TO MY DECEASED MOTHER IN LAW WHO,PASSED AWAY 12 YEARS AGO,THEN FORWARDED TO MY UNCLE WHO  WAS THE EXECUTOR OF HER WILL, HE IN TURN GAVE THE NOTICES TO US (PARENTS).NOW OUR ENTIRE FAMILY KNOWS OF THE DEBT. THIS COLLECTOR , XXXX( HIS NAME AT THE LTD AGENCY HAS BEEN TOLD SEVERAL TIMES THAT MY MOTHER IN LAW HAD DIED, YET SENDS TWO NOTICES TO HER . MY PRIVACY HAS BEEN INVADED, NOW I AM APPALLED THAT MY UNCLE  AND HIS FAMILY AND XXXX KNOWS WHO ELSE KNOW ABOUT THIS DEBT.PERHAPS IF XXXX WAS WILLING TO WORK WITH STUDENTS ,THEY (XXXX) WOULD NOT HAVE SO MANY ACCOUNTS IN COLLECTIONS. XXXX NEEDS A COURSE ON PRIVACY LAWS & REGULATIONS. WE HAVE CONTACTED AN ATTORNEY AS WE ARE SICK AS XXXX OVER THESE RIDICULOUS NOTICES ,AND THE FACT THE REST OF OUR FAMILY KNOWS ARE PERSONAL BUSINESS !! PLUS MY HUSBAND IS RECOVERING FROM A XXXX ACCIDENT AND DOES NOT NEED THIS ADDITIONAL STRESS .THANK YOU XXXX YOU XXXX, MERRY CHRISTMAS TO YOU!!
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: NARTEY LAW GROUP, LLC (VA)

I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.
Consumer complaint received 2015-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!
Consumer complaint received 2016-01-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (GA)

To whom it XXXX concern. Midland Funding LLC has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact XXXX XXXX XXXX XXXX XXXX, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of MIDLAND FUNDING llc XXXX OF XXXX XXXX XXXX, XXXX & gt ;
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

About XXXX months ago, my mortgage processing company started removing the balance amount of my mortgage loan. I called a month ago and was told this would be corrected but it was not. The monthly statements do not provide the remaining loan balance. Company is Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX
Consumer complaint received 2023-12-29
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: Self Financial Inc. (IN)

XXXX and Self inc are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX and Self inc to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974.I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. XXXX and Self inc have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. XXXX XXXX File Number of depositor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Since XXXX Ocwen Loan Services has taken it upon themselves to escrow our homeowners insurance after 22 years of us paying the insurance company directly ourselves. I have tried since XXXX to get this resolved and every since then the problem continues to remain. Them escrowing my homeowners insurance had caused our mortgage payment to go up an significant amount for the past two ( 2 ) years. Again for XXXX we are experiencing the same problem and will experience another year of higher mortgage payment because of them escrowing our homeowners insurance. We never consented to having our homeowners insurance escrowed.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This dispute is regarding student loan accounts that have inaccurate information listed on my credit report. First I contacted these companies requesting them to validate this account and the account information that they have reported to the credit bureaus and never received a response. Being that I did not receive a response, I filed a complaint with the Consumer Financial Protection Bureau against them for failing to validate their claim. I disputed these accounts and the information they reported with Transunion ; Transunion responded by stating that they verified the information was correct. These accounts are currently listed as Chapter XXXX bankruptcy, when in fact they are not in Chapter XXXX bankruptcy being that the bankruptcy was dismissed which I know that to be fact. Being that the companies failed respond to my request by validating this information, I would like to know exactly how did Transunion verify this account as being accurate and what competent proof that they received to validate this claim ; especially since neither one of these companies responded to my request and the numbers listed are not valid numbers that would reach a customer service agent. I do n't believe that Transunion investigated my dispute fairly. It 's on record that my bankruptcy was dismissed so how can these companies validate information that is not true? It is a violation of law for them not to provide validation of their claim, the account they are reporting and the information regarding the accounts ; especially if it is detrimental to my credit. I filed a claim against these companies with the CFPB in which they have not responded to my complaint either.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We bought a house in XXXX XXXX, CA -- XXXX/XXXX/XXXX. Our mortgage was handled by a company called XXXX. Soon after the mortgage was sold to GMAC. Shortly after that OCWEN took over the mortgage. The other day we got a notice not to send our payment to them but to XXXX instead. This is all so frustrating and wreaks of the XXXX mortgage nightmare. XXXX has no record of us on their books. I have been on the phone for over an hour on hold with XXXX to get help. I pay my bills on time. I have received nothing from XXXX and the XXXX is a week from today. I need help to solve this and to reach these people and hopefully put a stop to this madness. Besides paying pawn shop interest rates on the principal these companies could care less if this sort of thing puts us out and takes up our time to reset things with their website to pay our mortgage.
Consumer complaint received 2015-05-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I have been trying to work with Wells Fargo for over a year on the short sale of a XXXX property.I have provided Wells Fargo with all requested documentation to process the short sale, and have a short sale offer on the property. Over the course of a year, Wells Fargo on several occasions has denied receiving documents despite documents being sent on multiple occasions. They have not returned phone calls, have taken actions, such as placing the home out of short sale and into foreclosure without explanation and refusal to give explanation, and have not explained essential information regarding their processes for the consumer and realtor. A short sale proceeding that could have been resolved by XX/XX/XXXX, continues. The latest report from Wells Fargo is that the short sale request is being reassigned to another negotiator in their liquidation department, with refusal to explain why the short sale is being reassigned. In addition Wells Fargo is again reporting they have missing documentation required to proceed with the process, despite it being provided previously to proceed with the short sale up to this point in time.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (MO)

In XXXX 2015, my mortgage servicing company, Stonegate Mortgage, sent me correspondence stating that they did not have proper insurance on file for me. I called them stated that XXXX was my homeowner 's insurance agent and that I would get them the documentation, and asked where to send it. The representative I spoke with told me that it was not my homeowner 's policy that was needed, but the policy for the homeowner 's association. I obtained that from my homeowner 's association president and provided that electronically to the email address the Stonegate Mortgage representative told me to, which was XXXXXXXXXXXX on XXXX XXXX, 2015. I received a same-day automated response that that address had received what I sent, on XXXX XXXX, but that it was being reviewed. Then I received an additional email with " secure messaging '' which requires you to go to a different website, and log in to view secure messaging. There was nothing there. So I called and the representative said that they were still reviewing my insurance document. So I thought everything was under review and would be taken care of. In XXXX, I received another message that my insurance information was missing. So I sent it in again on XXXX XXXX, 2015. Again, I received a response that they had received the document and it was under review. I then received another " secure messaging '' request, which produced no results. So I sent them a message saying that I can not receive this type of message so they would know that their system is broken. Then, I started seeing a " lender placed '' hazard insurance fee on my mortgage bill and a notice that my payment would increase from the normal {$320.00} to {$490.00}. I have attempted to communicate with Stonegate Mortgage on multiple occasions, but they refuse to update the information. This is an unethical, predatory company which sees my small mortgage as nothing more than an annoyance that they can not make much money on. So they are attempting to raise my mortgage by exercising a " lender placed hazard insurance policy '' which is not necessary. I 'm so exhausted from arguing with this horrible company. Please help!
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the XXXX XXXX XXXX Back American Express credit card to take advantage of the balance transfer promotion that was being offered to new cardholders. They sent out the first card and I did not receive it, when I called to inquire about where the card was they canceled that card and sent a new XXXX. However, they sent the card to the address I specifically asked them NOT to send it to after I had twice provided an alternate address. Again I did not receive that card so they canceled that card and sent me a third card, which I received 2 days AFTER the 30 day window for new cardholders to complete the balance transfer. When I called American Express, I was told there was nothing that could be done and refused to provide me with the offer that was promised to me when I originally applied for the card. The person who I spoke with transferred me to a supervisor who was very rude and condescending and whose name was XXXX XXXX XXXX ID XXXX ). I explained to her that I had tried to make the balance transfer but was told I could not do so until I had received the card and that the reason why I had not received the card was the fault of Amex and not me, she again told me there was nothing that I could do about it and said I would not be allowed to speak with another supervisor.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My father and I have the exact same name and similar SSNs. In the past the various credit reporting agencies would occasionally combine our credit reports in error. Every time I have gotten it fixed ( and it seems to have stuck with all by XXXX XXXX. This time I am seeing hard credit inquiries for a car loan as well as a credit card among other things on my report that belong to my father.
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Consumer complaint received 2024-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.