davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to XXXX XXXX, where they continued to verify as accurate. The same manager whom i filed XXXX XXXX complaints on, XXXX because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my XXXX year old son because it would get over XXXX degrees. This went on for close to 4 months. Also, another occasion where she slammed the front door in my face because i did n't agree with the credit that was given. I told the collection company that i did n't agree with amount and i wanted proof of all charges, not just a basic " verification of debt ''. I received all charges but only a few days before they stated they would place on reports. Even after receiving docs on XXXX/XXXX/16 i still did n't agree and asked to hold off on any reporting because i wanted to verify amounts charged because it took months and months to get those documents to me. I even said, " I dont agree nor take responsibility for these charges but willing to pay a payment agreement until rectified and a credit could be issued. I was told i could make no partial payment and that i needed to pay in full. She also advised that even though i do n't agree, and she did n't agree with amount of charges they disputed with XXXX months back and they are only required to dispute once. I have included a copy of all charges, which show for address IM NOT responsible for. I lived at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and charges are for Building XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have included copy of lease and copy of dispute sent.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SQUARETWO FINANCIAL CORPORATION (NJ)

Original Creditor is XXXX, XXXX, then it was sold to Cach , LLC and now Fresh View Solutions has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting XXXX on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Please help me, I 'm trying to avoid foreclosure and Chase keeps playing games telling me that XXXX XXXX XXXX p. XXXX ext. XXXX who first told me that my account is assigned to her, I called her asking her what was the status of the short sale was and she told me that my account was just transfer to XXXX XXXX one her co workers because she did n't feel like working with me. 
So I called XXXX XXXX from the short sale department who told me that the account was back to XXXX XXXX since the manager ( XXXX XXXX p. XXXX ) who re assigned the account back to her. 

I called the manager directly because I felt this was a game that all Chase is doing is delay the my request so they can foreclose on my home. I tired of their games and I really need your help to stop Chase from doing this to my family. 

XXXX XXXX
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (ME)

This is an exact copy of the letter to the NH Banking Department. They have refered me to the Department of the Comptroller. I will contact them but its my fear that the process is going to slow down and get caught up in RED tape unless I stay proactive which is why I 'm contacting you. If you need me directly my personal cell phone # is XXXX my personal emaim is XXXXXXXXXXXX. Thank you! 

XXXX XXXX XXXX PLEASE FIND DUPLICATE LETTER SENT TO NH BANKING DEPARTMENT : XX/XX/2014 I was forced into bankruptcy. XXXX of my properties an XXXX in XXXX XXXX.had been mortgaged with Peoples United. Even though all my payments where current Peoples United hired the law firm of XXXX XXXX. As things turned out I refinanced this property and paid off a rather minor first of {$17000.00} that Peoples had on that property. I was stunned at the closing when it was revealed that XXXX XXXX had billed Peoples United over {$7000.00} which went against my closing costs. I have requested an accounting and explanation of these charges and have repeatedly been denied this accounting from XXXX XXXX and Peoples United. Most recently XXXX XXXX had thrown this decision back onto Peoples United by stating that permission needed to be received from XXXX XXXX before they could release the explanation of their fees. I have requested permission from the loan officer and the bank president since I have only received a break down of charges by the day that the charges occurred. 

It is my opinion that both XXXX XXXX and Peoples United are involved in some kind of cover up as to what these charges involve. I 'm concerned that by their actions or lack of they both are obviously covering for one another. 

I 'm just a small business person. Obviously having a challenging and difficult time. I am no match for an underhanded law firm and a huge corporate bank. I 'm determined to see this through though so I 'm asking for your assistance in this matter. Please contact me with what ever assistance you can provide. Thank you.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX Transunion shows XXXX flagged account " Unrated or Bankruptcy ''. 
Have {$0.00} Balance and No Account Records Available. 
Contacted XXXX/XXXX/2016 WHEN NOTIFIED BY MYIDcare. Called XXXX XXXX ( XXXX ) She could find no records and said " I would have to file a complaint with the Credit Bureau to have the submission removed ''. 
XXXX
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC (MI)

XXXX XXXX has called my boyfriend, my boyfriend 's parents in another state, my brother, my friend and neighbor friend XXXX and my friend XXXX about the debt, and discussed details in a recorded voicemail. If the person XXXX XXXX calls answers a live phone call, XXXX XXXX lies, and pretends to be a long lost friend of my mine from New York, who needs contact information to re-connect, urgently. She refuses to contact my attorney, and contacts everyone else instead, even though she already knows my address, phone number and place of work.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I had started the loan process with Amerisave after XXXX could not accept us trying to buy a stateside house while living and working overseas. We had gone through all the motions and was told that we would have to claim the house as a XXXX home which was not an issue. All documentation had been submitted and underwriting is being completely difficult. My wife and I are residents of Ohio. I enlisted in the XXXX XXXX in XXXX XXXX. I got out in XXXX XXXX. I currently work for XXXX out in XXXX, XXXX and my wife is a XXXX. Her job covers the housing and technically we do not pay rent out of pocket. I 'm not sure what is so hard to understand about that. That 's not the real issue though. It came about that the underwriter can not accept my Ohio address as a real address. I do NOT understand why, I lived there for 10+ years even before going into the military. They ca n't give me a clear explanation as to why they will not accept it. I have claimed Ohio State taxes for multiple years at the same address. It is frustrating that I 've paid the appraisal fee and not I 'm hanging on a limb wondering why an address can not be accepted to start closing the loan. Upsetting.
Consumer complaint received 2016-06-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

On XXXX XXXX, 2016 I went to XXXX XXXX in XXXX, TX and used the Western Union Terminal to transfer the sum of {$120.00} to XXXX. My MTCN tracking # is XXXX. One issue that came up during the transaction was : did the recipient have an ID. I was not sure and the agent suggested that a test question and answer would suffice. I provided a test question plus an answer. 
A day later the recipient informed me that the Western Union agent bank refused to provide the money because of an expired ID and also denied request to use the test question. 
I went bank to Western Union and wanted to recipient name be changed to another individual that has a valid ID. The agent refused to entertain my request stating that I must call from the home telephone number I listed on the transaction, or go to XXXX and make the request. I went back to XXXX and spoke with an agent. He stated that Western Union would not let them change name but can issue me a refund less the transfer fee of {$9.00}. I refused such refund offer. I went home and called XXXX and after about 30 minutes of speaking with XXXX different individuals I was advised to go back to XXXX and get the {$120.00} refund and the agent would put a request for refund of the fees. She further advised that the {$9.00} would be mailed to my home address. 
I did just that. Two days ago I inquired on the status of the fees refund. The Western Union representative advised me that my request was denied because it was not their fault that the recipient did not have a valid ID. I mentioned that the XXXX agent told me that test question would be used in-lieu of a valid ID. He stated that Western Union policy is that for all international transfer all recipients must have a valid ID. This was the first time I was told of such policy. I wanted to know why such information was not given to me during the initial money transfer transaction, the agent had no answer for me. 

I 'm requesting that my full {$9.00} fee transaction be refunded to me.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (PA)

There is a collection agency appearing on my credit report. I have contacted this agency on several attempts to provide documentation on services provided by them for the supposed debt owed. They have sent me on numerous attempts a signed copy of the consumer rights and responsibility page with a signature. I requested an actual medical bill for services and I was sent a piece of paper with my information on it and a total due. No itemized statement of services that were received. After the 5th letter I sent to them the company sent e a letter with a check in the amount of {$120.00} attached and apologized for the inconvenience. However, will not remove the item off my credit reports. I disputed with the Credit bureaus and because my name and address matches they validate this as my debt. I did not receive services at the hospital that claims to have given the service.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

I had an x-ray done on my foot on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. My bill was submitted to insurance which paid a portion and the remaining balance was submitted to me. 

I paid the remaining balance with my XXXX card and was told that my account was cleared. 

On XXXX XXXX, XXXX, I get another bill from XXXX XXXX for the same balance. I call them and they look up my account number and confirm that yes indeed, my balance had been paid off and it seemed their billing department had not updated. They gave me a receipt number for my previous payment and assure me that bill will be notified immediately. 

On XXXX XXXX, XXXX, I get a 'final notice ' from XXXX XXXX XXXX to send my owed payment to a collection agency. It 's the same balance from last XXXX that they think is still owed. I immediately call back to contest. Again I am assured that billing had not updated. This time, I 'm even given an approval number from the billing department to prove that it has indeed cleared my account. Additionally, I am reassured that whatever system they have to send my balance to collections will also be canceled. 

On XXXX XXXX, XXXX, I get a letter from Continental Credit Control collections agent threatening my credit and demanding for my balance due from XXXX XXXX as well as an accrued interest. 

I am infuriated. It seems that nothing ever happened with my XXXX calls to XXXX XXXX. I would have been happy to pay the balance had there been a payment issue, but ever time, I am reassured my payment cleared.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

A Collection agency has pulled XXXX hard inquery on my Experian credit report with out my permission and for no legal permisable reason I have contacted them and had no coperation I would like to have them send me a letter just saying i did not authorize them to get a copy of my credit report. I have talked to experian and they recommended i file a complaint Thank you XXXX XXXX the compants name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2016-06-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlanticus Services Corporation (NC)

Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I paid off final payment in 2004 and only 3 years ago started getting harassing phone calls and letters of garnishment from this company Overton, Russell, Doerr and Donovan, LLP. 
I only save my important paperwork for 8 years as does most people. 
They sent stuff to the XXXX District court and also on the paperwork are garnishee 's that have no idea what is going on and also I never had any loans with, not even associated with original school loans.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC (OH)

I have been receiving calls from a company called : Certified Mediation who says they are represented by XXXX -- -phone # XXXX. They tried to collect on a supposed bad check with XXXX. They stated I had to pay them via XXXX by the end of the day or I would be charged with XXXX Class XXXX Felonies and arrested the next day by XXXX. They caused me great distress. They made mention of a Pre-Trial Diversion etc. I believe this is a scam and want to report them. Also they went as far as to say they had pictures of me in XXXX. This was an alaborate scheme with multiple so-called departments and people involved.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to go through the dispute process with Transunion regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the TransUnion dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by TransUnion. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, it is harder for a consumer to get an erroneous matter off of a credit report than it is for the private entity to place an erroneous item on a consumer 's report. I kindly request help with this matter.
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding attached a judgment/lien on my home. When doing a title search I discovered that the judgment was for my ex husband. I did not know anything about this. I was not notified this was on my title to my home. When I called Midland they said they could do nothing. They could not tell me anything because it was not in my name. They finally gave me the attorneys name but I got the same story. They also said they could not give legal advice when I asked why would his debt be on my home.
Consumer complaint received 2016-06-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (GA)

On XXXX XXXX, 2016, I spoke with XXXX XXXX, a representative for LoanDepotXXXX, LLC, XXXX, CA XXXX. He asked several questions and request I send supporting documents to him via email. Also on XXXX XXXX, 2016, I paid from my credit card, {$290.00} for an appraisal which he says was a discount price from {$500.00} fee they normally charge. ( See receipt attached ). From that date till today, XXXX XXXX, 2016 they have asked for several documents including tax returns and I have not received my appraisal, follow up calls nor have they finalized the refinancing loan. They also took the liberty to call my homeowners insurance to inform them of an upcoming change.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TN)

In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I canceled my XXXX account, have not received any bills from XXXX, returned their equipment and a collection agency has filled a collection notice with the credit reporting agencies. I have contacted the agencies involved and XXXX. I have received no response from anyone. Here is the collection company - XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. 

Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. 

The condo is located in XXXX IN. Address is XXXX IN XXXX