davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I followed all the instructions from XXXX and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you. 10 Ways to Avoid Fraud - XXXX XXXX XXXX The Florida Consumer Collection Practices laws, XXXX to XXXX. This indicates to me there is some fraudulent activity from XXXX and XXXX. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit XXXX XXXX Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
Consumer complaint received 2019-05-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STERLING JEWELERS, INC. (TX)

As confirmed by the customer service department of XXXX XXXX, XXXX XXXX and Jared the Galleria of Jewelry XXXX Store failed to provide in a timely manner a mechanism to make payments. After not receiving my card or any method of being able to make a payment, the manager at the local XXXX Jared informed me that it typically takes a long time to receive the XXXX XXXX   payment method. My total account was for {$1600.00} Several months later I took a proactive approach by demanding the number from the manager at the Jared the Galleria of Jewelry in XXXX Texas. The XXXX XXXX customer service agent informed me that the steward of the transaction at the local Jared store incorrectly spelled my last name and failed to provide a complete accurate description of my address. Even after I signed that we would use my Drivers License number. Eventually after I was able to clear up my name and address I received a mechanism to make a payment by receiving the credit card and account information in the mail and the ability to activate the card. I made immediately made a large payment of {$1600.00} in XX/XX/2018. This would have left a balance due of {$58.00} due total. 
XXXX XXXX erroneously added accrued interest during the time period that XXXX XXXX failed to deliver my information to be able to make a payment through my Jared XXXX Card. The minimum balance due for the next month was stated to be {$100.00} by mid XX/XX/2018. Since this would have paid off my entire account with a fraudulent interest charge I was unable to make the minimum payment. Once again I was burden with the job of fixing the accounting caused by the negligence of Sterling Jewelers Inc., a subsidiary of XXXX XXXX XXXX. During the interim of attempting to fix the accounting with Jared the Galleria and XXXX XXXX more late fees were added to my account and XXXX XXXX falsely reported to the three major credit bureaus that I had missed payments on my account. 

I believe that this might be a scheme by XXXX XXXX to turn higher profits for their business partner, XXXX XXXX, by intentionally entering in the wrong information so that one does not have a choice but to pay the late fees and accrued interest while they wait for the mail in credit. 
XXXX XXXX and their subsidiary business have a prior issue with in store credit. I believe they are continuing the fraudulent methods but stating that they are a separate entity than XXXX XXXX. 


Thank you for your help and investigation so that we can protect future consumers from further financial violations from XXXX XXXX. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

*Cavalry SPV I, LLC Violated/failed to respond Texas finance 392.202.

*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE.

# # Complaints, As of today XX/XX/191. Cavalry SPV I , LLC didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports.

3. Didn't request dispute but Cavalry mark trade lines as dispute.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (CA)

My debit card was lost and then about 10 minutes after I realize that I lost a debit card I got a notification on my phone stating that my card was used at a local retail store and was charged {$150.00} I contacted the store they did nothing about it I contacted my bank they told me that we're going to do an investigation we can't give you provisional credit so you're just out of luck for a whole nother month and basically I'm out of {$150.00} I did a police report when I contacted the police they told me oh okay we could go and see and look at the surveillance but we can't show it to you because I need help
Consumer complaint received 2017-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NE)

A few times my wife and I were behind on payments. After being told not to call several times, their rude representatives continued to call and harass with auto dialers. The company sent false letters not reflecting payments made and charging outrageous late fees, interest fees and fees to accept payment over the phone. Also, despite not being more th en 6wks behind, they are trying to say we are almost 3mos behind, threatening foreclosure and sent people to our house twice in one day for  hand delivered harassment letters to contact them after making the account current staying they hired a third party company to help them. They illegally sold our info to their partners before giving us the option to opt out and then sent letters after the fact to limit sharing after damage had already been done.
Consumer complaint received 2022-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

We are senior homeowners, greatly impacted by the XXXX XXXX pandemic, who have nearly lost our entire business of over 30 years. 

We are ever so grateful to be currently in a forbearance plan. Since XXXX, we been trying to work with XXXX XXXX XXXX to create a " stand alone partial claim '' for our forbearance plan. 

We have an FHA loan, and have been in contact with them on multiple occasions over the last few months in writing, and on the phone with their customer service department. 

Today after many attempts to move forward with the " stand alone partial claim '', we instead received a loan packet for a " loan modification '', even after letting them know since XXXX we want to use the " stand alone partial claim ''. I am attaching a copy of my letter from XX/XX/2021 requesting this. Also on XX/XX/XXXX at XXXX XXXX XXXX XXXX I spoke to " XXXX '' in the customer service department. I made it abundantly clear we wanted to have the stand alone partial claim. 

XXXX XXXX is difficult to communicate with. Long waits on the phone. I even received an email from one of their employees letting me know the loan documents were on the way and requesting me to respond back right away about the loan modification, and my reply bounced back.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a unverified account from a XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure  maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I am a XXXX XXXX and applied for XXXX  Loan Forgiveness. My first application was declined for unknown reasons. The next month, the payments with current loan jumped from $ XXXX/month to $ XXXX/month. The same time, Navient offers me a loan refi to bring my payments back down to {$200.00}. While waiting for my second application for XXXX forgiveness to answer, I refinance to keep payments low. Unknowingly, the refi goes through but I find out later it's a private loan and not qualified for the XXXX Forgiveness. I was unaware that the forgiveness would not apply. It is suspicious that as soon as I applied, my payments jumped and they happen to offer a refi. I called to have refi turned around, they refused.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2018-10-30
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: Global Payments Check Services, Inc. (TX)

This complaint is regarding Global Payment Check claims I have a charged off, closed account in the amount of {$120.00} that was apparently opened XX/XX/2013. I am writing to advise you that Global Payments Check is in violation of TEXAS DEBT COLLECTION ACT, TEX.  FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which  prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching Global Payment Check on the Texas Secretary of State debt collector website I have found that Global Payment Check is not bonded in the state of Texas. I am requesting Global Payment Check immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN.  CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

We have an insurance claim that was paid & damages were completed in XXXX of XXXX for {$30000.00} for our roof. 
The roofing company has completed the work they have received 2 disbarments of payments, the final inspection has been completed since XX/XX/XXXX. 
We have given Rushmore Mortgage Company all the documents they needed EVERY month we certified mailed and emailed them to them ( the same documents over & over ). They have dispersed some of the funds and every time we call it is a new issue they make up as to why they haven't released all the funds. They have received every document necessary, the job has been completed since XX/XX/XXXX. 
They still owe us over {$25000.00} The insurance company released the funds to get the house fixed and Rushmore has made it impossible for any of the parties to get paid. I have contractors threatening me that they are going to put a lien on my house & I am going to get lawyer fees because the accounts are almost a year old. 
Rushmore has made this process very difficult for me as the homeowner and for all the contractors involved that have completed the work the house needed.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS  ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet.

I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (CA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My xwife held a XXXX on me and had me open lines of credit with USAA.com. She got the money, not me. After years of therapy I have finally been able to tell the truth. I filed an identity theft report with the Federal Trade Commission XXXX XXXX department and they still will not remove these two loans.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union credit report are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Timothy M. Sullivan (OH)

I have a a unverified account from Law Offices of Timothy M. Sullivan # XXXXXXXX.I have never done business with this company. I had previously disputed this account as it was under dispute for fraudulent fee and breach of contract I have also file a complaint with the Attorney Generals Office for misrepresentation. I have never done business with HS Financial Group , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Timothy M. Sullivan Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Timothy M. Sullivan Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

On my credit reports with each company they show a Repo for my car with XXXX XXXXXXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
Consumer complaint received 2023-03-27
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. (NY)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

My name is XXXX XXXX and I am writing to lodge a formal complaint against Procollect Collection agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe.