davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellar Recovery, Inc. (AR)

I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.
Consumer complaint received 2017-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

I discovered a collection on my credit i did not know about. After completing my contract with XXXX a charge was added to the account that was later described as a equipment fee. I had no information of this debit and requested proof it was valid. I received nothing. After 60 days i again called and was given only a phone number to a collection agency named convergent. I called and spoke with them requesting proof i owed this debit and it was valid. I also placed a letter in the mail with these same requests later that day. I received nothing. After another 30 days i called back to make a final attempt to resolve the debit. The agent i spoke to offered me a settlement that included a complete deletion of the account from my credit report and a paid in full status. She made the case that the settlement was cheaper and faster than getting a attorney. Because this false debit was causing great hardship to my family by preventing the refinance of my home and the agent knew this i felt blackmailed into the arrangement. I agreed and gave my credit card number and awaited the documentation of this agreement in the mail. After another 30 days with no documentation, no deletion from my credit report, and no return communication from repeated phone calls i contacted my credit card company. They opened a fraud case. XXXX XXXX determined the false statements and deceptive agreements along with the complete absence of agreed documentation made by the agent to obtain my credit card number met their requirements for fraud and they promptly reversed the charges. The collection agency responded by placing a second collection on my credit report. So at this time they are reporting two accounts. Injuring my credit further. I am at this time reviewing local attorneys to begin legal action against the collection agency. They blackmailed me with inaccurate reporting info, lied to me to get my credit card number, provided not one piece of requested documentation, and falsely placed a second new collection account on my credit report. I have no documents as they refuse to send anything. If you need copies of the fraud finding by my credit card company i can produce that at any time. However absolutely no bills, letters, or documentation of this debit of any kind has been received by me at any time.
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

I am a XXXX XXXX with a set income ; assigned to XXXX XXXX XXXX. I was assigned to XXXX XXXX XXXX for treatment by XXXX XXXX. All procedures were approved prior to treatment. Each doctor 's office were contacted prior to the schedule procedures the dates were set from the doctors ' office. Written authorization were issued by XXXX XXXX. I presented the papers at each visit for XXXX I stressed '' do not file with any other insurance but XXXX  '' .I was ignored ; XXXX XXXX XXXX then filed the procedure with Medicare first not XXXX. Medicare denied the charges. I don't know if the charges were ever filed with XXXX. I have been turned over to the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX. ) for none payment instead.Each time I have been contacted I informed them that the procedures were filed with the wrong insurance. I have not been contacted to say that the charges were ever filed with the right insurance company by XXXX XXXX XXXX XXXX nor by the Collection agency. If I make any payment then I will not be reimbursed. I do not think the charges have ever been file at XXXX XXXX.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've contacted XXXX in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked XXXX to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified Equifax XXXX  and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that XXXX has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, XXXX has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion XXXX also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Direct Lending, LLC (MD)

On XX/XX/2018 between XXXX my wife received a cold call from a company by the name of First Direct Lending out of XXXX CA. The agent that reached out went by the name of XXXX XXXX NMLS # XXXX. This past summer we where looking into a refinancing on our home loan but never moved forward because the timming was not right. Fast forwarded to yesterday XX/XX/2018 when XXXX contacted my wife, which i believe to be a cold call from information we provided online months ago. He starting selling her on the idea of refinancing our home, being very pushy at that. She stated to him that she really needs to speek to me about it because she let 's me handel such matters. I was at work at the time when my phone alearted me that I had a hard credit inquiry. I called and spook to my wife who said that that XXXX   wanted to do a soft inquiry on my credit and it would not hurt anything. Now with that said he never did his do diligence by stopping the conversion with my wife and contacting me for my concent to pull my credit. Side note shame on my wife for giving out my personal information such as my SSN, income and date of birth to a stranger. With that said it was XXXX 's responsiblity to contact me for consent to pull my credit. He moved forward with pulling my credit without my knowledge. His actions are a pure violation of the FCRA. On top of that he emailed my wife sensitive information on my credit report that she was not privy to. Which i believe violated the privacy act. Any help on this matter would be greatly appreciated. Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hunt & Henriques (CA)

Never received 1st collection notice and or any phone call regarding the collection of the debt. Did receive a letter to threats of lawsuit only. Send fax requesting contact by phone but never got any calls. Requested original application showing my signature that I signed the application and was refused to be provided it. Asked for ITEMIZED STATEMENT, sent incomplete documents after two request. After my fax request was not honored by, HUNT & HENRIQUES ; called to get the information requested and was DENIED. Tired to offer a settlement was told by XXXX XXXX, " NO SETTLEMENT WE ARE GOING TO PROCESS A LAWSUIT. '' She then just hung up on me. Very unprofessional if trying to collect a debt and furthermore not sure if they even stated the mini-miranda when I called there offices. 

Hunt & Henriques XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

since my son started the XXXX XXXX XXXX, we been paying private loans for him, we still are paying and they are current thru XXXX. We also had loans thru Sallie MAe, this loans were been paid automatically, apparently Sallie mae and XXXX were no longer together ot they merge together and they stop taking the auto payments for Sallie MAe. 
Only XXXX is been paid, we never got a letter/statement and the reason we didn't notice they stop taking the money is because the payments for XXXX  went up. Now we come to find out since 2016 that we are in a collection agency and that agency is not willing to let us make payments, they want the full amount which we don't have. we have always paid his loans on time. please help! sallie mae is the worst company to deal with
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XXXX  XXXX XXXX sold our mortgage to a collection agency. We have never missed a payment nor have we been late. We have automatic payment every XXXX of the month for the past 10 years. We did not receive any goodbye letter from XXXX XXXX XXXX or a welcome letter from the collection agency Carrington Mortgage Services , LLC . Within 10 days I have received 3 separate letters from Carrington LLC stated that I am 2 months behind. We went online and made 2 mortgage payments one for XXXX and one for XXXX. Then we called Carrington LLC the company could not tell us any information about our mortgage and why we were behind although we have receipts showing that we paid them. I went online and only read bad reviews about Carrington being a scam company reporting people to credit bureau and trying to foreclose on homes that were never late in payments. I need help. I am the little guy in this one and feel like I ma being duped.
Consumer complaint received 2018-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (MA)

On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX bought debt from a delinquent medical bill account that had been closed for years. They reported this bill in their name as delinquent so now it is showing up on my credit report twice. The original company, and their debt - which is the same debt. This caused my credit to plummet out of nowhere resulting in a chain of credit companies I'm actively using lowering my limit, thus effecting my credit more. I have been working for the past 5 years to bring my credit score up. XXXX XXXX has ruined this hard work. 

The claim that I owe them this money is absurd and should be illegal.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, Tranunion, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (VA)

On XX/XX/XXXX, I receive a call from XXXX saying I was past due in my amount, I pay XXXX dollar a months, The reason why I was late on this payment was because my card broke and got it replaced, I had a a temp now, I told the lady that i was going to call back with the car info went i receive the new one so they can setup auto payment again. This lady was so rude she told me, well I dont understand why you can give me the info of the temp card, I told her I dont have it with me and i Dont want to set up nothing with that until i receive the new one, she kept harassing me telling me why dont you just make a payment I told her until I receive the new one and she kept going I told her fine Ill call back with the info. On XX/XX/XXXX around XXXX, this lady called my job for the 3x to speak to me, she was rude to the person who trasfer the call to me gave them attitude, my boss came to me telling me that this lady XXXX was rude and that not like this because is the 2nd time she act this way, I dont understant why she calls my job after I told them not to call my job. So I called them back spoke to XXXX, I told her that I did not want her to call my job especially if she is being rude, she started talking to me rude with a loud voice, I told her that I need to talk to her manager, Her manager was even more rude I explain everything that happend to her and she was like well we are trying to collected our money and I told her what happen and I told her that IA did not appreciate them calling my job and being rude to my manager and she was like well we are allow to call your job even thought I told her dont call them on the 2nd time they did. she was like we need to collect the money and is not fair you get service and dont paid, I told her she doesnt even know why I got service it was because it was a emergency is that that i wanted but I was trying to paid atleast she told me well basically you have taken so long, yes I have with XXXX kids and single mom but Im trying now she kept being more rude and I told her Ill find someone to help me or get a lawyer or something because they will make me lose my job taking to may boss rude.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ... 
- Agreement with your client that grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

USAA Allowed a 3rd party company to make an authorized debit. I provided the necessary documentation and USAA refused to process the claim as fraud / unauthorized transaction. 

My account was charged on XX/XX/2017 in the amount of {$490.00} and XX/XX/2017 in the amount of {$490.00}.