davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (GA)

I received a letter from AR Resources dated XXXX XXXX, 2016, and received it via US Mail on XXXX XXXX, 2016, claiming I owe a balance of XXXX. I am not aware of any outstanding account with AR Resources or any affiliates of AR Resources. I responded with a letter of verification and validation within the 30 days prescribed by FDCPA Laws. AR Resources received my letter on XXXX XXXX, 2016, via US Mail Return Receipt and per conversation with XXXX XXXX, Supervisor within AR Resources agency, and they failed to provide me with any verification or validation of the alleged debt before applying this negative balance to my credit file on XXXX XXXX, 2016. AR Resources provided a copy of what appears to be an office generated bill, attached to this complaint, that I have no knowledge. I am requesting AR Resources to provide me with a copy of all " original " documents that were signed by me, XXXX XXXX, proving I received treatment or services on the alleged date and any documents that I promise to pay for any treatment or services. I also request proof of the assignment of this alleged debt to AR Resources. A copy of an alleged billing statement and no signed " original '' documents is not enough information for AR Resources to validate their claim nor enough information for me to open a personal investigation into this matter. AR Resources has not validated their claim and also has applied this balance to my credit file without proper validation or verification, after having full knowledge of my request. I am requesting and immediate expulsion of all negative reporting by AR Resources to all credit reporting agencies, because they are not in compliance with the FDCPA Laws and until they can provide valid proof I, XXXX XXXX, am the person in question.
Consumer complaint received 2017-01-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Persolve, LLC - Legal - Series 2 (CA)

I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.
Consumer complaint received 2017-01-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Research Center, LLC (VA)

Recently we applied for a mortgage with Veteran United Home Mortgage. We used our Certificate of eligibility with the VA and this was my first time utilizing it. We were told that 70 percent of their mortgage were kept in-house. We already have one mortgage with XXXX XXXX on another house and have been very dissatified. But for Veterans who are XXXX to be thrown to a company with a history of fraud and abuse is very unfair. 
Once we closed we learned that our mortgage had been sold to XXXX XXXX. The company with so much negativity. We wanted to know how fair is it for XXXX Veterans go through a lender who is supposed to be working for Veterans and then have their mortgages sold to one of them worst banks in recent history. Even while there is still so much recent negativity : Articles Below : XXXX XXXX, You Can Run But You Ca n't Hide : A Homeowner 's Testimony Tue, XXXX/XXXX/XXXX - by XXXX XXXX - See more at XXXX Suit alleges banks and mortgage companies cheated veterans and U.S. taxpayers XXXX Did Banks Cheat Vets Out of Millions? 

XXXX Published on : XXXX XXXX, XXXX XXXX XXXX Accused of Defrauding Veterans by Charging Excessive Loan Fees XXXX XXXX XXXX scam latest in a string of infractions XXXX
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

I have told Midland Credit that the number they are calling is a cell phone please stop calling me its using my data. They are calling from different numbers i have to continue blocking each number. They also say it in a mubbled voice thay the call may be monitored and i couldnt understand anything else.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed an dispute with Transunion on XXXX XXXX XXXX, and XXXX XXXX XXXX and advised TransUnion that the following hard unauthorized inquiries were not initiated by me and the creditors did not have an permissible reasons to place these unauthorized hard inquiries on my file. I requested that TransUnion provide my authentic signature for these unauthorized hard inquiries or delete these authorized hard inquiries deleted of my file. 
file. Transunion never responded to my disputes. 

XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX via XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX - XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

Today I checked my balance on my Walmart Mastercard by calling the toll free number XXXX. I 've been a customer for more than 2 years and I 've never paid late and have always paid my balance by the due date. When I call the account services number I usually get a message that my account has been matched with my social and it asks me to enter the last XXXX digits. This saves a lot of time. Recently I made a complaint to Synchrony bank, the servicer of the Walmart Mastercard, about walmart.com charging me for a toaster that I ordered online XXXX XXXX, 2016 at Walmart.com and then canceled the same day because it was n't available for free same day pick up at the store as promised. So today after checking my balance via phone call and finding it different from my calculations, I called the toll free number a second time so I could check my recent transaction history and find out if the toaster I DIDN '' T BUY has been removed from my recent transactions. On the second call I was asked to enter my entire account number and then last XXXX of my social, and the system said it did n't recognize it. I tried again and got the same response. So now I have no way to dispute mistakes on my account or ask questions or get customer service. I have NO faith in the security/integrity of walmart.com and I 'm not going to do transactions on their website. I really do n't want to believe that Walmart /Synchrony would lock me out ( although it looks that way! ) to retaliate against me for being vigilant about my own credit usage and making legitimate complaints about Walmart.com 's mistake!
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OR)

I was contacted by XXXX XXXX, manager of underwriting for PHH mortgage company and he left a few messages on my phone. I finally called him back on XXXX XXXX, 2016. He had asked why I had not filled out the mortgage modification form from the Making Home Affordable program which would give me 3 trial payments and then an official modification. I replied that I had received nothing and that I was not actively seeking help with my mortgage, though I needed it badly. Though I make payments to my mortgage every month, I have been consistently late paying my mortgage and my account being flagged for a modification did not seem that far of a stretch. I had many late fees but never let a month go without making a full payment. I asked him a couple of test questions that only my servicer should know and he was able to answer them. We talked and I asked him some more questions to see if he really had any information on me and that he was who he said he was. When I received the paperwork from him through company email I was convinced that he may be from PHH and actually is offering a modification. The paperwork was spot on and looked like something I would receive detailing the payments and when they are due and what to expect through the modification process. Because I was already late making the 1st mod payment the only way to backdate the 1st payment to reflect on time payments was to wire the money ( XXXX ) to his HAMP manager XXXX XXXX in Indiana. He, XXXX XXXX, informed me that I do not need to make payments to PHH and that any defaults will be cured when all the payments are made and submitted as paid on time through the modification program. ( I was tricked, however not dumb enough to stop making my payments and therefore did not default on my loan ) On XXXX XXXX, I submitted the final 2 payments early through XXXX ( recipient XXXX XXXX in South Carolina ) as well, for a total of {$2400.00}. I was supposed to make 3 payments of {$1200.00}. After all payments were made I was then informed there was a {$990.00} fee that needed to be paid for admin fees. At this point I terminated the call knowing it was a scam. No HAMP manager would ask me for money to do a modification, especially AFTER the trial payments were made. They also stole mine and my wife 's social security numbers. They sounded like they were from XXXX or some XXXX country and they masked their phone numbers to appear like they were calling from my mortgage servicer. The direct line I used to contact them was XXXX, which I believe is now disconnected as of yesterday XXXX XXXX, 2016. I have all documentation and recorded all phone conversations with them.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I submitted my dispute on XXXX/XXXX/2016, I have not gotten any correspondence. I also checked my dispute status online which says " pending ''. I called to advice it has been well over 30 days on three different occasions. Each time I was not given an answer as to why I was not properly notified. This has significantly slowed down the process of buying a home for my XXXX boys.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (WA)

I opened a XXXX XXXX account throughCommenity Capital Bank. They were supposed to allow for financing of a specific product, but after opening the account, failed to live up to their advertisement. So, I called and closed the account. They confirmed that the account was closed. 

About a year later they emailed me asking for updated personal details about my ( open ) credit account with them. I called and asked AGAIN that they close it. They once again confirmed that it was closed. 

Received another email about my account on XX/XX/2017. This account SHOULD be " Closed at consumer 's request, '' but they continue to keep it open against my wishes.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OK)

I am writing because of a situation I have tried to rectify for over 5 years now with absolutely no help by FedLoan and its arbitrary, irrational policies. I am a teacher in Oklahoma and get paid once a month on the XXXX of each month. I can not change that fact ever- it is the way my school district- XXXX XXXX Schools in XXXX County , Oklahoma does it. Several times since I have, through every means, tried to get my payment due date scheduled on or after the XXXX to ensure I incurred no additional fees. I have been told by CSR 's and their Supervisors that the date can not be changed given my plan- what plans can change and why ca n't I. I was never told this at any time when signing up or re-certifying for my plan- Income Driven Repayment. The website says clearly if I 'm having trouble to ask through email and they will change the due date- just not for the poorest of us loan-holders! I asked verbally during the process and again later in at least 6 different emails sent through the FedLoan portal for a change to this due date from the standard XXXX to the XXXX or later. I sent an email in XXXX and 2 more in the last week asking for a change. I have already paid over {$200.00} in fees resulting directly from the timing of these payments. I signed up for Direct Deposit hoping it would allow me to change this date but to no avail. They would n't cancel that for me either when I asked saying 3 business days are needed ( Fri, Mon, Tue ) so I 'll be out hundreds again this month due to this due date! I can not understand why 1. It is such a difficulty to change the date for me and 2. why people who are at highest risk of default are being forced to adhere to a due date which incurs regular financial harm? They always say I had to change it when re-certifying and I asked them to and they said I must make a payment 1st then I could- not this new excuse. I have been lied to throughout this process and simply do not understand why I am being forced into an even worse financial situation each month by a simple due date that ANYONE should be able to change at their will!
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Experian to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Experian report.
Consumer complaint received 2016-09-02
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

onemain is on my credit report as a hardpull i have never applied with them so when i called the place to check on this the man that answered said that XXXX was the one that caused this and he just had another person with the same issue ... i said no matter what your name is on my credit report and i wanted it pulled off ... it got nowhere i called XXXX and they do n't even have me on there records ... funny thing the onemain had my file and i did n't even apply with them because he brought up a account of mine and asked what that was about ... i just want the hard pull off my report as i already have a id fraud issue going on and have to do all the foot work myself..after 53 years of raising my kids with just a bank account and debit card i apply for credit and see a whole bunch of id fraud..and people wonder why i never wanted credit ... lol here is the info, ONEMAIN FINANCIAL XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (TX)

XXXX and their debt collection company Credit Protection Association continue to report a debt on my credit report at all XXXX agencies despite this account being reported as opened via identity theft in XX/XX/2016. A police report was also sent to Credit Protection Association in XX/XX/2016. They continue to report this debt as in collections despite being in receipt of dispute documentation. XXXX also did not attempt to contact me or send any written notice of collection in advance of sending this debt to collections. They are both non-compliant with Fair Credit Reporting Act requirements.