davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services is representing LVNV Funding LLC, or as the " servicer '' of a alleged debt that was supposedly purchased by LVNV Funding , LLC. Resurgent Capital also retained the services of a third party to collect on this fraudulent debt. Resurgent and their third party servicer have been notified in writing that this is not a valid debt. This written notification was sent via USPS certified mail. Resurgent has accessed my credit files and reported a collection on behalf of LVNV Funding LLC . Resurgent claims to be in compliance with the Fair Debt Reporting Act, however they have violated many of the rules, regulations and/or laws associated with the " FDRC. '' Additionally this company has also violated portions of the Fair Debt Collection Practices Act. A representative with this company 's complaint department, XXXX XXXX, has made statements that imply that there are XXXX separate laws, XXXX set which applies to me as a consumer and a different set of laws that apply to him/her and the company s/he represents. This person also claims that I issued a cease and desist, which is a bald faced lie. In fact, what I did say was that all communication would be documented and any/all phones calls would be recorded. I also stated that I would not show the smallest amount of common courtesy or respect to any person associated with this company. I have been subjected to defamation, discrimination, implied threats, etc. According to this XXXX XXXX, s/he conducted an investigation and could find no evidence of any type of mishandling that I had claimed to have occurred. That was of no surprise. The representatives of the company have a proven track record of being less than honest. Also according to this individual, upon the purchase of this alleged debt by LVNV Funding, all rights to the account were transferred with the purchase of this account. Which gives them certain rights pertaining to the collection of the debt. Also according to this individual LVNV Funding has confirmed this account. If all rights were transferred to this company, this company needs to comply with ALL rules, regulations and LAWS. Which again, they have implied that they and their third party servicer can legally circumvent certain laws. I have stated I would gladly meet any one of these people in a court of law. I went as far as to furnish the jurisdiction which would hear this case. It should also be noted that I have in fact used several " foul '' words in my written communication with this company. I am sick and tired of these people threatening or issuing implied threats. I am sick of the defamation and discrimination that I have been subjected to by these individuals and their third party servicer. I am fully aware that this company and LVNV Funding LLC . are subsidiaries of the Sherman Financial Group. This companies operate under numerous names, in an attempt to hide and not have to answer for their fraudulent and illegal activity.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (CA)

About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for {$1.00}. I accepted the offer as the price was right. Now they are billing me on my email account for {$21.00} as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted. I assume there was some kind of hidden in small print of something or other. Now they want me to pay a fee for something I never asked for. Now I 'm also asking them to return my {$1.00} for whatever scam they are trying to hook me into. Since I never signed any contract, explicitly or implicitly, this is an attempt at extortion.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquiries be removed.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (CO)

My wife and I have a joint loan with GM Financial for the purchase of our XXXX XXXX. I believe we got the loan XX/XX/XXXX. My wife, XXXX XXXX, filed for bankruptcy and it was discharged XX/XX/XXXX. GM Financial will not let me speak with them about my account because of this and more importantly, they are not reflecting my timely payments that I have made for a year now. I am trying to refinance the vehicle and am getting turned down because GM Financial refuses to have my payments reflected on my credit report. I believe they are unlawfully doing this. Can you please help me to get GM Financial to reflect my payments on my credit report? Thank you so much.
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Procollect Services LLC (ND)

I XXXX 2015 we recieved notice from a local collection agency that a garnishment was about to start. We never recieved any bills from this collection agency prior. We never recieved a court summons nor were we served. No serve notice from as sheriff or by certified mail. We were in the dark. 
We took this notice of garnishment to the collection company and were refused copies of a serve notice and refused copies of the bills. We were not permitted to speak with anyone in private over the matter and they made us announce all of our problems to the world at a desk in the lobby. We were belittled by the manager. They have since taken the money as well as more then they were suppose to garnish. And are now holding the overpayment with a threat of not returning it. We have XXXX children and are now behind on our mortgage, have been eating out of food pantry 's and are faced with our Electric and phones being shut off because these people took up to {$1000.00} a month from our pay since last XXXX. If we had been properly served we would have gone into court and fought them and the original debtor over the bills.
Consumer complaint received 2016-11-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems (NC)

I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc. (HI)

I had a tablet that used data from XXXX back before my bankruptcy. It was a on-demand thing, so when I did n't use it there were n't any charges on my bill. I removed the SIM card from the tablet in the months before I declared bankruptcy while I was selling my possessions to pay my debts. 

Mind you, this thing was n't plugged in and I did n't have a contract. Somehow, XXXX started positive balance ( a credit on their books ) to a negative. My bankruptcy went through and I thought the matter was done with. Now, I 'm getting calls from XXXX, CA. A company called Diversified Consultants is attempting to collect on this debt, which is a piece of XXXX to begin with, but should have been discharged completely by my bankruptcy.
Consumer complaint received 2016-11-08
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems (CA)

So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.
Consumer complaint received 2016-11-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I received foreclosure papers from a law firm with a breakdown of monies they are saying I owe. I have repeatedly requested a breakdown of how payments were made and who the payments were made to because there are monies that I paid that are not applied anywhere. Proof of this a {$540.00} credit they list as unapplied funds. I have no idea where these funds were to be applied, was this a payment not applied to my loan adding to the deliquency? I have repeatedly requested original statements which I never received.I have requested to see the original mortgage note I signed because I do not believe that is the note I signed. I have received no response as to my requests I have not received any of the information I am entitled to yet they want to take my house. This has been going on for 6 years and is still not settled all they do is keep transfering the mortgage from one company to another and I have to start all over again with my requests. This is typical XXXX behaviour along with the foreclosure mill attorney who continually breaks the law with these foreclosures bullying people.
Consumer complaint received 2016-11-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I have a vehicle financed with Prestige Financial. I noticed within the last few weeks they have reported my principal balance as being higher than in previous months, while making my payments. After inquiring with them, they have NOT had this information corrected with the credit bureaus, as a matter of fact, they told me the credit reporting agencies report what they want. I have asked them since I have brought it to their attention for them to fix this issue. In the meantime, I also noticed that my " principal '' balance online ( when I log into my account ) increases daily. I inquired as to why that is and was told it is a per diem fee .... What is a per diem fee? I do n't recall that as being part of my contract ... XXXX Why do these companies think they can just take and take and take from their customers and if a customer schedules a payment 6 days after the due date, they are harrassing you even though they can see the payment is scheduled and will process in a few days .... With most companies, normally there is a minimal grace period. I just want my account and the reporting to the credit bureaus to remain accurate. I do n't know if there is anything I can do to just transfer my car loan to a different finance company as I do n't want to do business with companies are are dishonest and not trustworthy. Not sure what my options are at this point, but any advice on what I can do legally is greatly appreciated.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When requesting the government mandated annual free credit report via Transunion 's toll-free number XXXX, 4 attempts are made to sell services to unsuspecting callers. First attempt is to sell you a credit score ( 1 for yes, 2 for decline ), then they follow up to ask if you 're sure ( 1 for yes, 2 for decline ), and then two attempts to sell credit monitoring servicing. As someone who works in finance, this is fine, but for many consumers this can be very confusing and lead to payment of unwanted services.
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC (OH)

I was called by this company 7 times before XXXX I called the number back and asked them to stop calling me and they still called back 4 more times, totaling 11 calls in 1 day, all before XXXX I feel that this is harassment. I called back a 2nd time and was told that whoever I spoke with the first time should have taken me off their list and did not.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I 'm a victim of ID Theft from 2012. Sent new fraudulent acct. info to Experian for blocking and they refused to block the account based on the fact that my original police report was done online. They 're stating that the ONLY WAY they will block the account is if I have the police dept ( out of state ) sign page 5 of the FTC Affidavit. I explained the difficulty and getting this report from 4 years ago signed by an out of state officer and reminded them ( Experian ) that they 'd blocked previous fraudulent accounts on my credit report w/o the officer 's signature. This defeats the purpose of the police department 's intent to generate full, signed reports for these type crimes.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

This is the 2nd complaint with this company, the company does not want to disclose to me where I was double credited. I overpaid one month and have proof of that. CITI never over credited me at all. Also another complaint with the Executive Response Unit team. They only reached out to me once and told me they were going to resolve these fraudulent charges. At the end of the week, i had 1 missed call from this team. I tried reaching out to them but I did not receive any kind of notification. Until i got a letter in the mail stating that I owe XXXX dollars worth of fraudulent charges.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I am trying to rent some office space, and XXXX and Experian are unable to locate me, and not willing to accept my US Passport, or copies of correspondence received at the address of record. I want them to email the report because the potential landlord needs this today, and Experian and XXXX want to mail it. There is no question as to my mailing address, since I have supplied them copies of documents received at this address.
Consumer complaint received 2016-10-14
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

My client was forced to move to a higher level of healthcare and has a reverse mortgage on her home. We requested the servicer allow her to short sell since the home value is less than owed. We have been working on this case since XXXX of 2016. The servicer uses every excuse to avoid the review and after providing all they ask they continue to delay the review.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TN)

On or about XX/XX/2016. I received a letter from Seterus, Inc informing me that my property taxes are delinquent and need to be paid by me. In previous years Seterus has been paying property taxes on my behalf through XXXX. So far I have called Seterus and XXXX to assist me and no one was able to explain to me why the property taxes had not been paid even though there is an escrow on my account. The individuals I spoke with could not find any documentation that any type of communication had been sent to me. I have not received any communication that I would be responsible for my own property taxes, nor any communication on the status or changes in the escrow account. I have filed a complaint in recent months about Seterus and their claim that I was behind in my mortgage payments which has since been resolved. At this point I would like to file a formal complaint that Seterus is not properly maintaining my records as it pertains to my account.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

15 U.S. Code 1681a - Definitions ; rules of construction : ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part to serve as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, a representative named XXXX, told me he has been doing this for ten years and he will not delete it because the FCRA doesn't apply to EXPERIAN.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT
Consumer complaint received 2016-10-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Countrywide Bank dba Bank of America has engaged in breach of contract and is attempting to defraud me and my domestic partner XXXX XXXX of our home by means of a false and deceptive Deed of Trust. 

In XXXX, we applied for a {$200000.00} loan from Countrywide Bank in the form of a HELOC. The {$200000.00} loan was secured by a Deed of Trust. In XXXX, Countrywide Bank dba Bank of America froze the HELOC and has refused to reinstate it, thereby breaching the contract. We have stopped paying on the HELOC and Countrywide Bank dba Bank of America is now threatening to foreclose. 

The Deed of Trust secures a {$200000.00} loan, which Countrywide Bank dba Bank of America has failed to deliver, thereby failing to fulfill its contractual obligations. Furthermore, the Deed of Trust is null and void because it fails to name a lawful beneficiary and falsely and deceptively names MERS as the beneficiary. 

We have rescinded the Deed of Trust and hereby request that the CFPB ask Countrywide Bank dba Bank of America to cease and desist from foreclosure-related activity. The following documents are enclosed : a ) Demand to Cease and Desist ; b ) Rescission of Deed of Trust ; c ) Notice of Rescission of Deed of Trust. To minimize paperwork, pages from the Deed of Trust are not included with this complaint. 

Sincerely, XXXX, WA XXXX
Consumer complaint received 2016-11-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Advance America, Cash Advance Centers, Inc. (MS)

I AGREED TO MAKE PAYMENTS ON AN INSTALLMENT LOAN ON THE XXXX OF EACH MONTH THRU AUTOMATIC BANK DRAFT. THE COMPANY HAS BEEN SENDING THE DRAFT THRU ON VARIOUS UNAPPROVED DATES THROUGH OUT THE MONTH. IT WAS SENT THROUGH ON MY HUSBAND PAY DAY WHICH HAS NOTHING TO DO WITH ME AND ALSO IT HAS BEEN SENT THRU ON OTHER RANDOM DAYS OF THE MONTH. THESE UNAPPROVED TRANSACTIONS HAS COST ME SEVERAL NSF FEES AND INTERFERENCE WITH OTHER BILLS. I HAVE EVERY INTENTION ON PAYING THIS BILL BUT WE NEED TO STICK TO CONTRACT OF ONLY BANK DRAFTING ON THE XXXX OF THE MONTH. I SPOKE WITH MY BANK ACCOUNTANT AND WAS INFORMED OF SEVERAL THINGS I COULD DO TO STOP AND REPORT THIS MATTER. IT IS NOT FAIR TO ME TO HAVE TO ACCUMULATE ALL THESE OTHER DEBTS BECAUSE THIS COMPANY IS CONTINUOUSLY SENDING MY DRAFT THRU AT THEIR DISCRETION. THAT IS SO UNFAIR AND ILLEGAL. PLEASE HELP ME WITH THIS MATTER. I HAVE RIGHTS TO.
Consumer complaint received 2016-10-14
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a wire transfer from a US Bank of America account to a XXXX account for my son and daughter in law. The amount of the US dollar transfer was {$18000.00} ( which is a lot of money to them ). The amount that was credited to their account was {$16000.00}. 
I went to my local branch at BofA and spoke to the manager regarding the transfer. I was told that I made the transfer in XXXX ... the exchange rate was COMPLETELY unfair {$1.00} = XXXX I was unaware that this exchange rate was well below the typical rate in XXXX {$1.00} = XXXX ... XXXX ( I found this out afterwards ) This transaction of exchange cost over {$1300.00} and the overall charges exceeded 7 % of the total sent. 
This seems to be sooooooo unfair and in all honesty taking advantage of a naive consumer. It really gives banks a bad name. Where did that money go? 
I am hoping that you can help rectify this situation as my hands are tied. 
Please review my case and advise if their is any hope that we can receive some money back? 
I will be happy to give any additional information needed. 
Thank you, XXXX XXXX