davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AFNI INC. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I returned merchandise to XXXX and sought a credit via my Captial One card. After several months later and providing evidence of the fact, I was rebilled by Capital One for merchandised returned at a 27 % interst rate. I still do n't understand their dispute process to credit your account and later re-bill you with substantial interest. I seek to complain about this particular issue and this practice.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR MIDLAND, CREDIT MANAGEMENT, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC. to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person.
Consumer complaint received 2016-07-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I feel that the interest charged on my account is incorrect because although I make payment outside of my normal due date, it takes DAYS to be credited and interest is charged during this time. As a result of this, I tried to pay my account in full using a credit card because it is supposed to be posted the same day. When I enter my card information, I receive an error and told to call a number. I called the number several times and it is an automated loop. I called another number which is for " alternate ways to make payment '', I am kept on hold for unreasonable amounts of time. I just want to pay this account off and be done.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (MI)

tried to modify home loan with PNC was not told options was put in hardship program worked with hud step forward mi also was denied for late payments was whole purpose of loan modification to lower monthly payments spouse self employed business declined dramatically! now pull credit report and PNC did two hard pulls on both are credit in eleven days time made matters worse and turned us down that is not what this was suppose to do extremely wrong
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I am livid how Wells Fargo has handle my loan. I have tried to re-apply for a modification numerals times and Wells Fargo refuses to review my loan for a modification. I have tried to work directly with them but they have hang up my call many times when I start questioning them in regards to my loan. I do not want to lose my house I have an active sale date for XXXX/XXXX/16. Wells Fargo refused to withdraw the mortgage payment out of the automatic system, my cousin XXXX had activated before he pass. It has been really stressful to keep up with the mortgage payment because I was paying half of the mortgage when my cousin was alive.
Consumer complaint received 2016-07-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (UT)

I received notification via my credit report that I owed American Medical collection agency with account # XXXX. I did not open any letters indicating that I had an account with this company. Recently my daughter died XXXX on XXXX XXXX, 2015. I had incurred many medical bills from my daughter while she was alive and for 4 months both my wife and I did not have any income, which enabled us to care for our daughter. The collection agency indicates they have sent us letters but I do not remember ever opening a letter identified by AMCA. My family and I have recently been able to be better situated to pay for our debt, thus when I noted this agency on my credit report I immediately called and verified this debt and payed for it. After payment I asked this agency to remove the debt from my credit report, at which point they informed me they could not.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (SD)

Continued to call my place of employment which is a federal office. I have instructed MCM clearly to never call my office yet they continued to do so. They 've also purposely placed a false address number for our home so that a neighbor would receive the mailing by mistake to instill embarrassment. We 've instructed our correct address many times but they refuse to change it due to their well known and previously documented illegal collection practice. We 've also requested multiple times to send a detailed history of payments and balance. They have refused and claim they are not required to send a complete history of the account.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP (AE)

Pioneer services has a loan of ours which we stopped paying on because they cant send us proof of a signed contract. the time this loan was taken out our ID and SSN were stolen and a lot of drama came from it. For some of the stuff we actually thought it was us but turns out a lot of it was n't. Now they keep harassing my mom who I have n't talked to in a long time and calling her day in day out We are stationed overseas and do n't have any contact with her since my dad passed away. 

She is getting XXXX at us and we still do n't have papers showing a signature. 

We looked online and the papers on there do n't even have a signature. They have called her over 20 times now and its very tiring to hear from someone who we do n't even speak too!! 

They need to stop RIGHT AWAY with contacting her or any other person they think we might be related too. We do not live in Indiana nor will we ever and we are n't related to her in any way other then she was my dads wife while he was alive!!!! 

CEASE CONTACT WITH THEM ONLY CONTACT US DIRECTLY AND ALSO DO NOT CONTACT OUR EMPLOYERS!!! 

give me proof and I will gladly pay!!!
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federated Law Group (GA)

I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX , XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX , XXXX, FEDERATED LAW GROUP, PLLC has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES DISTRICT COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, FEDERATED LAW GROUP, this is aiding and abetting fraud on the Consumer who is a natural person.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, XXXX and now Convergent. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and XXXX have apparently abandon their attempts. The most recent attempt was made by Convergent. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called Transunion to inform them the hard inquiries on my report were removed and then put back. The representative told me they could n't assist me at the time. This was yesterday, XXXX XXXX. I 've called several times today but the wait has been intensely long.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ditech Financial LLC (CA)

On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX 
When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. 
On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and XXXX.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Valentine and Kebartas, Inc. (WA)

debt collection agency calls multiple times a day using different numbers, has called at XXXX and XXXX multiple times after ive already told them the time. they have have been completelt obnoxious and no regard to consumer contact laws. it is against the law to call outside of XXXX and XXXX and they know this. They also are aware of the times they call because they have my current address on file and know i live one the XXXX
Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX of American Express has threatened legal action if I do not pay my entire balance on my card ; meantime I have been making monthly payments and AmEx continues to process those payments and when I call AmEx there is no indication that this is an attempt to collect a debt or any such indication that my account might be in arrears. I DID speak with XXXX about 8 weeks ago and he was trying to get me to pay off my entire balance ( over {$4000.00} ) immediately or next steps would be taken - this is when the threat of court came into the conversation. Since then he has been calling me at least XXXX daily at work and on my cell ( so at least 4x daily total ). I have been trying for about 6 weeks to get back in touch with XXXX, to return his constant calls, outside of my working hours, and he is never available. I have left many messages for him. He continues to leave me voicemails, calling during work hours, stating " time is of the essence '' on my account. Today I left XXXX a voice mail asking that my work number be flagged as do not call and that he can not continue to call my work and that I am only available in the evenings ( I have left messages like this before ). Tonight I have not only made another payment to AmEx but tried to get through to any representative at AmEx only to get a " mailbox full '' message at AmEx. Finally, the phone number that XXXX leaves for me does not indicate that he is even an AmEx representative as no mention of AmEx is ever made, nor is there ever a statement that this is an attempt to collect a debt. I am thinking that this could be fraud but am very unsure and could use some assistance. XXXX 's number is XXXX.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (SC)

We have an auto loan with American Credit Acceptance. We have made a substantial principal payment in XXXX 2016. Along with this payment we made a regular one as well. Since this time we have continued to make our schedule payment on time. Upon review of a statement, we saw an error in applying our principal payment in XX/XX/XXXX. When we contacted the company, they tried to correct the error. Up on reviewing the account and trying to trade in our vehicle, we found our remaining principal balance was wrong. We contacted the company once again. The account is still not correct and we are not getting any help and the representatives speak rough English. 
Our last two payments have been kept ( according to the online account summary ) for interest only and this is not correct. It appears the company is trying to keep principle money for interest instead of applying as per the original contract of purchase. 
We need some help or will have to seek legal advice that can be costly.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.
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: Harvard Collections, LLC (IL)

This debt was resolved in a court case and they had an opportunity to collect payments from child support which I was recieving through their office. However, is over 20 years old I do n't agree with. This debt was n't an issued until after I settled for a lump sum child support payment through their office. If I owed the state why did they issue my payments.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I disputed this misleading information Equifax removed it back in XXXX or XXXX of 2015. Then they reinserted XXXX different public records on the same day in XXXX 2015. I sent them copies of my identity theft report and they removed XXXX items. This is frivolous credit reporting by Equifax. How could they dis- regard the identity theft report I sent them twice. This is very stressful, and costing me a lot of money in extra high intrest rates. Please help!!!!!!!
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (TN)

Seventh Avenue company from XXXX WI claims I owe their company XXXX this debt appears on my credit report. I have contacted the company by phone, email and letters but to no avail. They asked I complete a FTC identity theft form but my identy was not stolen. I am asking that this debt be removed from my credit reports as it is not mine. I sent a letter months ago that they have not responded to.