davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GEMINI CAPITAL GROUP, LLC (GA)

Gemini Capital are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Concord Servicing Corporation (SD)

For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Collection Management Company (VA)

On XXXX/XXXX/XXXX, I had received a call/phone message from the subject collection agency, when they were previously duly advised per the attached correspondence to which there had n't been any other subsequent communication from them until now regarding a supposed amount owed to XXXX XXXX XXXX, which their client had either neglected or failed to timely bill me for. Thus, as a result, I had disputed the charges under contributory circumstances, as it took their client greater than a full calendar year which to bill me. There had n't been any communication from this Agency since XXXX XXXX, which is suspect for another date of service that I have with XXXX XXXX which may be causing them to look at ALL dates of service that I have with them, which there are only XXXX ( including this XXXX ) that are disputed. Since this agency had n't responded since XXXX XXXX with any other basis for collection and that their client had failed to resonably bill me within a full calendar year 's time, any other action at this point would seem possibly political and vendictive to me at this point.
Consumer complaint received 2016-03-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The following unauthorized inquires must be removed from my credit profile. I DID NOT APPY FOR CREDIT DO NO PLACE A FRAUD ALERT ON MY REPORT!!!!!! 

PLEASE SHOW ME HOW PER THE FCRA HOW THESE WERE PUT ON MY CREDIT REPORT XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX ID IS ATTACHED VIA DRIVERS LILEICE AND SCHOOL ID AND UTILITY BILLS
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

A hotel held funds on my debit card, but removed the hold on Tuesday, XXXX. The bank still showed the hold on the account as of XXXX, and did not provide an easy way to remove the hold from the account. The only way they would remove was with a conference call with the hotel. I called the bank through their app, which was the only contact method provided, and an option for a third party call was not available. When I told the rep this, she said she also could n't do a third party call and could n't assist me. She gave no other way to resolve the issue. This is the second or third time USAA has put the burden of resolving their errors on me.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MS)

I got a car financed through Chrysler Capital i was told by the dealership i would be able to refinance my loan and Chrysler capital told me they never refinance. My car was XXXX i have had it for 3yrs payn XXXX a month i owe XXXX on the car now and i have 3 more years on it. In all i have paid XXXX dollars on this vehicle already and none but XXXX dollars has applied to my account.
Consumer complaint received 2016-03-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I am have problem with my mortgage company ( Green Tree Servicing later became Ditech ) giving options to save parents home, which happens to be my primary residence. To give a short background of the situation, after both my parents passed away I relocated from XXXX to XXXX and when I got behind on the payments I asked for a loan modification and was asked to probate my Mother will and get the Deed in my name. I was turned down for the first loan modification and I was told I did n't get the deed in on time so I was turned down a second time. After this, I got lawyer so they could help me get a loan modification and we were both told the way they could help me was me that if I bring the loan current I could assume the loan, so after that a few weeks I was asked to send in all the paper work again for a third loan modification ( with the deed and the dates of past 2 loan modification that I applied for ) and was still turned down, because I may now own the property, but I am not on the original loan ( even after I turned in all the paperwork after my XXXX passed that I was financially responsible for the loan ). The issue started back in XXXX XXXX, and the three attempts for modification was 2 in XXXX and one XXXX which they told me to apply for.
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (TX)

I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes.
Consumer complaint received 2016-03-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland is reporting an open account XX/XX/XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and Midland this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I have informed Equifax numerous times via online dispute, fax and certified mail that some accounts on my credit file are reporting as if I am or have previously disputed them in which is incorrect. The creditors stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only disputes that I have about the accounts is that they reflect as if they were or are in dispute. I have requested for the additional information to be deleted from the accounts from my credit file.
Consumer complaint received 2016-03-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (OH)

I financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (IL)

I was misled into believing the credit reporting service of Experian and XXXX was a one time charge instead of subscription, and was charged recurrently. 
I tried to cancel my service, and both agencies have very difficult websites to navigate for a simple task that I assume most who visit their websites intend to do.
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TN)

I obtained a credit card while living in Kentucky. In XXXX I became delinquent due to not working while XXXX going through XXXX and XXXX. The credit card was a secured card for {$200.00} so I had {$200.00} already on deposit with the credit card company ( XXXX ). Even though I had prepaid the {$200.00}, when I was able to go back to work I paid well over the {$200.00} to the collection agencies. XXXX collection agency was XXXX XXXX then it changed to XXXX.in XXXX. Now XXXX XXXX from XXXX XXXX XXXX XXXX. ( XXXX ) is calling and when I tried to explain what happened and that I had paid he said he did n't care if I had paid and said I owe them {$1500.00} ( on a {$200.00} secured card. ) He threatened to take me to court. The company has made multiple calls in the same day and has even before XXXX. and at least twice after XXXX. I have paid over the {$200.00} and it is my understanding that when you enter an agreement in the state of Kentucky there is a 5 year statue of limitation from time of delinquency but he 's saying he has until XXXX of this year.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Empowerment Ventures, LLC (IN)

I have a visa Rushcard and they let some scammer steal {$100.00} last year and will not XXXX my money back. Then this year they denied to return my {$100.00} that XXXX stole from me for a supposed deposit for service/installation that I never received. That is all illegal and a scam.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CO)

XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to. 

They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me. 

They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights. 

I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me! 

They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

My loan is currently with Seterus Servicing. I tried to do a short sale in XXXX of 2015 which was declined. I then vacated the premises on XXXX XXXX, 2015 and notified XXXX of that fact. They sent me XXXX modification agreement in XXXX of 2015. I called them and decli8ned. again advised them I vacated the premises and they should initiate foreclosure proceedings. I did n't hear from them except for the occasional statement and XXXX letter advising me that I was declined for assistance. I never asked for assistance..In XX/XX/XXXX I was sent a Notice of Default. Since then, I have been inundated with calls asking me if I want the modification. That would be the modification that I never received and have told them verbally I did not want. I was called on XXXX XXXX. I advised them I did not want the mod, I was n't living in the house an proceed with the foreclosure. On Saturday. 3 days later, I received another call asking me my intention for the house I again told them I was n't living in the house I did n't want any assistance and proceed with foreclosure. This morning, 1 business day later I received another call. I called them back and again told them I wanted no assistance. I also asked why I was receiving daily calls when contact was made and she advised me that because I am in a trial ( what Trial? ) the calls could not be stopped. I told her that it was harassment and she stated that they were within their right to call me every day as long as I was in a trial I did n't want nor never asked .Is n't this against the fair debt collection practices act?
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

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Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MA)

Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
Consumer complaint received 2016-03-28
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America did not properly re-evaluate my loan modification. They did not take into consideration the new payment tripling my loan amount. In addition, they did take into account recent developments, such as XXXX renters downs, as well as other mostly payments not listed. 

They continually change personnel to assist me, making XXXX attempt then never hearing from them again. 

The CFPB is NOT holding this bank responsible for their actions. 

Bank of America has over XXXX public complaints in recent time. Allowing this bank to continue in this matter makes one wonder what is the purpose of the CFPB. 
XXXX I will begin letters regarding bank of America and the CFPB to media outlets.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have contacted equifax requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint is against Midland Funding and all of it 's affiliates. 
I disputed entry on my XXXX Credit Report regarding Midland and that they had opened an account under my name. Enclosed is the response I received from Midland along with it 's enclosures. The letter is addressed to XXXX XXXX XXXX and the enclosed judgment that Midland saught against me is for XXXX XXXX XXXX. Midland clearly has conflicting information in regards to whom owes this debt and did not spend allowable amount of time reviewing any documents to ensure that the correct individual is being pursued. I would like this information to be removed from all records pertaining to my identity as it is causing hardship.
Consumer complaint received 2016-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MO)

For over a year I have tried to work with XXXX XXXX/Navient to take care of my student loans. I am unable to pay the exorbitant amount for my students loans. I 've filed paperwork to try and pay interest only, I 've used all forbearance, and do not plan on going back to school to further my loan debt. They refuse to help me out, even after multiple financial statements the most they could lower my bill is {$10.00} when my payments total {$450.00}. After my most recent attempt they have called no less than 7 times a day, this go around it 's been the last 5 days and counting. I 've answered the phone and asked them to stop continuing to call when I 'm trying to take care of my bill but they refuse to help. I 've tried to consolidate my loans to get away from them and they are n't able to be consolidated due to the type of loan ( from my understanding ). I 'm tired of the stress of constant calls and not being able to fully pay my bill but I am trying to make some sort of arrangements that they are not willing to accept. This is entirely unacceptable and I should be able to have options to pay my loans back without defaulting, since I am willing to pay something! I have a friend who is having the same issues and they told her since her credit cards are n't maxed out she can pay her bill?!?!