davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AR)

This company is reporting a debt to my credit reports that I do not owe ; however, even if I did owe this debt, according to this companies records, is past the 7 year reporting period. 

Therefore, while I do not owe the debt, even if I did, their reporting is still illegal. 

Please assist, and thank you!
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Other — 
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

I submitted a previous complaint against tidewater finance for false credit reporting they responded back stating that they are reporting accurately and that the account on my credit was not reflecting open and had been closed and charged off since XXXX/XXXX/XXXX however the current reporting on my credit shows that the account was closed XXXX/XXXX/XXXX agar my complaint that was filed in XXXX XXXX. They falsley claimed that they did a thorough investigation and are reporting correctly. I have attached a copy of the current reporting showing that the account was recently closed after I made a complaint as well as the response they wrote certifying there accuracy.
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SN SERVICING CORPORATION (GA)

My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (OR)

This sadly is the second time I am having to file a complaint to try to get insurance settlement money that is in escrow with this New American Funding sent to me. Our house burned down XX/XX/2014 and New American Funding has been managing the insurance settlement funds as I had a loan against the house that burned down. We had problems getting them to disperse these funds before and I was given a direct contact who was supposed to assist us with all future disbursements named XXXX but when I called to speak to him he was no longer with the company and I was told anyone could help me. I asked for a final inspection and it showed the house was complete. This inspection was completed on XX/XX/XXXX. I requested the final draw amount and sent the letter via fax and mail they required, which was a document stating the repairs were complete, signed by me. I spoke with XXXX XX/XX/XXXX and she reiterated all they needed was the signed statement that the repairs were completed the completed inspection and that they would then be able to disperse the final draw. I received a letter XX/XX/XXXX stating they also needed a copy of the final bill from my builder. This was a news to me and so frustrating. Why do they keep adding requirements and not telling me in advance? The final bill from the builder had not yet been generated as we had a few outstanding change orders for some small landscaping issues. Furthermore what difference does it make if I owe more or less than whats in escrow? If its less does that make me less entitled to the funds? If I owe more does that mean I ca n't have the funds to pay the builder a partial payment? I was so frustrated with New American Funding that we decided to refinance the house with another company and I knew we were closing on that loan on XX/XX/XXXX with it scheduled to be funded XX/XX/XXXX so I opted to not send any additional documents as once the house was refinanced New American Funding no longer has any financial interest in my house or insurance money and would have to release the insurance settlement money. The loan I had at XXXX XXXX XXXX was paid off by XXXX XXXX on XX/XX/XXXX. I called XX/XX/XXXX to confirm the funds were being sent and spoke to XXXX XXXX at the call center at around XXXX. He acknowledged that the loan was paid in full but that I had to send the final bill from my builder. I asked to speak to a supervisor was told they were not available after holding for about 20 mins, that it would be 48 hours before they could call back meaning Monday. XXXX then said they never even received a request for the final draw. I asked why they sent those forms and requests and he did n't seem to have an answer. He said he could resend the request but without the bill the file is not complete and the request would be denied.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit.
Consumer complaint received 2015-05-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (MI)

I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt. 
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (AZ)

On XXXX XXXX, my Chapter XXXX Bankruptcy was discharged without protest. This debt, AFNI, for a XXXX bill, was certainly included. AFNI refuses to close and take this account off of Reporting agencies. I have complained to XXXX, XXXX, and XXXX to take this account off of their listings. They have all refused, and this is the only one remaining derogatory report ( other than bankruptcy ) on all my reports. Not only should it be closed and removed, but the reporting agencies list it as " open ''! I had XXXX pages of creditors. All of them honored the discharged and removed their listings from the agencies like XXXX. This is the only lone creditor account that refuses not only to close the account, but also to remove it. They even list the account as having a {$0.00} balance! Still, they mark the collection as " open '', when the account was reported as being opened in XXXX, XXXX. The actual open date was a couple of years before that. All of these dates surely fell before the filing of my Ch XXXX Bankruptcy in XXXX, XXXX and discharged in XXXX XXXX. Just the fact that this creditor is listed on my report- and especially " open '' is hurting my credit score. I have worked hard to rebuild my credit in 2.5 years, and have been successful. This derogatory mark from this company ( that by law, I was entitled to have discharged ; they did n't even dispute it! ) is sticking out like a sore thumb on my credit report. I have rebuilt my credit very well, but have been turned down for credit due specifically to this " open '' collection account- that is n't even valid! This is a terrible thing to deal with after all the work I 've done to rebuild my credit ; especially since I have done extensive work in disputing this entry to the individual credit reporting agencies themselves! And then, the agencies not removing the entry! Please help me get this last awful derogatory remark- that I am entitled to under the bankruptcy provision- off of my record. 
Thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 2015-08-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (MO)

I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process -
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I filed complaint number XXXX. However Huntington has done the same thing in XXXX, they sent me errant statements reprinted which were wrong then started the month off with a {$160.00} false overdraw which became {$490.00} in a week without any purchase. Also when a automatic deposit was credited to my account on XXXX XXXX. 2016 I checked account balance and they had purchases made on XXXX XXXX listed as XXXX XXXX, 2016 with {$300.00} missing from account balance along with purchases i had n't made. Someone inside bank is messing with account and seems they want me to know it.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Here is a list of the unauthorized inquiries : 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-08-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error. 
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day. 
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account. 
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month. 
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (OH)

I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (AZ)

There is a debt collector ( central credit services ) company calling me numerous times through a single day over a XXXX bill I owe. The amount is {$160.00}, which I have advised 2 times that I would be calling in once I have the money to pay. The next day and every day after that they have called me and left the same messages. This is harassment!
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: VALLEY NATIONAL BANCORP (NJ)

We have a account at Valley National bank in new jersey, we are in retire community in XXXX nj, the branch that we got our account is there n close to us the complaint is every time we deposit or transfer money from our savings to cover some bills that i see is missing the money to cover those bills including pennies they charge us $ XXXX.every time including XXXX in same day for another bill not even when i trasnfer the money early in the morning before banking hours they still charging us {$35.00} for late fees we got other banking institutions n they never charge us when we put the money to cover bills on the same XXXX hours this bank is reapping seniors of their savings like crazy i just got charge XXXX {$35.00} for XXXX bills that i put money before they open for bank hours. please stop this institution from taking money from seniors!
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (PA)

I have reported Midwest Recovery Systems to all XXXX credit bureaus. This debt is not mine. Never received written notice that I owed a debt to anyone. I called them today XXXX/XXXX/XXXX as soon as I saw it on my credit reports. I demanded an explanation to why a debt that is not mine was on my report and the lady hung up on me. I called back but got voicemail.
Consumer complaint received 2016-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (KY)

In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.