davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Went into XXXX hospital ER in XXXX texas previous years. All bills paid by XXXX. Then out of nowhere I see pro collect collection trying to collect on the ER visits for XXXX XXXX XXXX XXXX. I never received anything from the XXXX XXXX XXXX. I was never informed. I went to the hospital patient administration and asked why did n't they use my insurance they said they had nothing to do with this particular company for the doctors XXXX XXXX XXXX XXXX XXXX only covers XXXX. I 'm trying to get pro collect to send me a legal authorization letter saying they can legally collect for XXXX. I called the so-called number For XXXX and the lady told me they do n't exists!!!??? there are XXXX items on my credit concerning this.
Consumer complaint received 2016-01-29
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings (TX)

See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything. 

XXXX XXXX
Consumer complaint received 2015-04-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DISCOVER BANK (IN)

Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 
I have checked my county 's online database, and discovered multiple Discover Card entries on magistrate 's dockets. Is there some type of judicial abuse going on in XXXX XXXX, Indiana? 

At the proceedings supplemental, I told the same magistrate that I had not received the paperwork the attorney showed me outside the courtroom. The magistrate 's response was, " I 'm not buying it ''. I told him I need to received all my court / legal / financial notices. After the magistrate announced, " adjourned '' and left the court room, the magistrate 's bailiff, ordered me to meet with the XXXX. I told the bailiff, that the magistrate just announced adjourned, meaning I was free to leave. The bailiff told me he could have me detained / arrested by guards. All this with my then terrified four year old in tow. We left the court room, not knowing if we would be detained / arrested. 

How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NM)

Personal Information Errors : Wrong name and address I 've never lived at or used as a mailing address : XXXX XXXX is the wrong nameXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address ive never lived at or used as a mailing address.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

I agreed to a monthly home phone payment of {$19.00} per month and XXXX tablets at {$10.00} per month. They were supposed to waive all of the fees up front. The amount I should owe from XX/XX/XXXX through XX/XX/XXXX is {$120.00} plus about {$300.00}. to break my contract due to their negligence. That would be a total of about {$420.00}, not {$830.00}
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.
Consumer complaint received 2015-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank. On XXXX XXXX a deposit in the amount of {$4900.00} was made to my account. It posted and then was immediately withdrawn. When I inquired, I was told by a woman in their fraud department that it was fraud and that they had frozen my account and would cancel it on XXXX. That deposit was from a relative in XXXX, Georgia to help me with buying a car. The freezing of my account has my funds in a tailspin because I am retired and receive my pensions by direct deposit. Ultimately, I blame the government for this debacle. It has financial agencies paranoid about money laundering, XXXX funds and XXXX financing to the point that it is just easier for them not to deal with the problem than to determine the facts. The woman at the bank 's fraud department was terse, peremptory and blunt and advised me that I should have known what to tell me relative! (? )
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Phoenix Recovery Group (TX)

I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NJ)

Some creditor is reporting an inaccurate address/information. I disputed the inaccurate information & it was removed but my credit monitoring reported a new address and the entry is back. 

XXXX XXXX XXXX XXXX XXXX, XXXX be removed indefinitely as I do not live there. Also I want to know who/why this is being reported as my current address so I can investigate any potential fraud resulting from it.
Consumer complaint received 2016-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (NM)

My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.
Consumer complaint received 2015-04-18
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (WA)

On Tuesday XXXX/XXXX/2015 I purchased a Bluebird prepaid debit card at the XXXX on XXXX XXXX XXXX in XXXX XXXX WA. I paid {$5.00} for the card itself and at checkout added {$150.00} in funds to the card. The directions on the box told me I could use the temporary card and to register online for a permanent card. I made a purchase on the same day at XXXX at the XXXX in XXXX XXXX WA which left a balance of {$97.00} on the card. I went online to register the account and found that I actually had to apply for an account ( this is not indicated on the Bluebird card packaging ) and had to be approved before Bluebird would send me a permanent card.I filled out the application and was denied an account for undisclosed reasons. I called Bluebird customer service on Wed XXXX/XXXX/15 and they said they could not tell me why but that I would be able to use the funds on the temporary card any place that accepted American Express. I tried to use the card at a restaurant and it was declined. I called Bluebird customer service again on XXXX/XXXX/15 and they told me they could n't help me and to take the card back to the XXXX I bought it from. I took the card to XXXX on XXXX/XXXX/15 and spoke with a shift supervisor in the money center who tried to cash out the card as well as get cash back with a purchase. They were unable to retrieve my funds. I called Bluebird customer service again on XXXX/XXXX/15 and asked to speak to a supervisor. I was told that a supervisor was unavailable but that a supervisor would call me back in XXXX to XXXX hours. I have yet to hear back from Bluebird and I am still unable to use the card or access my money.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I was XXXX in 2010 from car accident, I was on XXXX until a few months ago. Now I 'm on XXXX. I 'm trying to find housing for the XXXX but I am having a problem with XXXX paying bills slowly. I ended up getting a few bills in collections from them. I called and spoke with the agencyies most took there stuff off my report quickly. I am having a problem with one agency that continues to cause problems. They have report on all my credit reports some even a couple of times on the same report. I need help dealing with these folks. they are unfair and uncooperative. Name of the company is XXXX XXXX XXXX XXXX HI, XXXX
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (RI)

I been trying to communicate with Experian for almost a year to update my personal information with them. I emailed them, I wrote to them and even tried calling them. I want to inform Experian that I been married now for over two in a half years and they need to update my maiden name to my married name, as well as my home address. How can I get them to update my personal records ( name, address, etc. )?
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (MO)

We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries. 
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company. 

We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review. 
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NC)

In XX/XX/2007, I bought a new house and contacted XXXX Security to install a security system. 

According to city ordinances in XXXX, NC, any new alarm system installed in a home is to be registered with the XXXX XXXX Police Department. 

XXXX subcontracted the job to a third party installer who never registered the system with the Police Department or notified me to do so. 

The house was robbed shortly thereafter and since the system was not registered, the police were never notified. 

I filed a complaint with XXXX Security for breach of contract and terminated my contract since they never fulfilled their duties under the agreement. 

Almost XXXX years later, XXXX has chosen to levy a fee of {$390.00} and turn the account over to a collection agency, Transworld Systems Inc., of XXXX XXXX XXXX, XXXX, PA, XXXX. 

This collection agency chose to contact me now, while I 'm in the process of obtaining a loan to buy a new house as a means of exerting pressure and collecting what is a fraudulent debt. 

I ask for the Consumer Financial Protection Bureau 's assistance with this matter so that I can preserve my good name and credit history. 

The account number being used by the collection agency is XXXX. 

Thank you sincerely for your assistance with this matter.
Consumer complaint received 2016-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Recovery Solutions, LLC (CA)

I am getting called daily from XXXX. Caller ID identifies them as Leading Edge Recovery. I have never heard of them and a quick google search identifies them as a shady debt collection agency also going by the names of XXXX XXXX or XXXX XXXX & XXXX. 

I have answer this call several times to ask them to stop calling, but whenever I answer there is no one on the line, just silence
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APEX Asset Management, LLC (PA)

The Apex asset management is trying to get money for rent for service XXXX/XXXX/XXXX XXXX XXXX $ XXXX in XXXX appartments, XXXX, PA. I do not live there since XXXX! I had lease for for period from XXXX for 1 year wich i signed. When i was leaving i told manager that i am leaving, i was roomate and the deptor was another girl, my classmate, she stayied there. I got letter from them ( Apex manegement ) that she left XXXX/XXXX/XXXX and i have to pay for 1 mons, because she left and did not pay for last mons. I have no idea, i did not see her already 3 years, i am living in XXXX 3 years since XXXX. Apex maneger told me anyway i have to pay, since i was in lease, but i signed for period 1 year ( XXXX ), i did not sign for 3 years. It is fraud, they crushed up my credit score and they opened dept collection now, wich i have to pay, but why? i do not live there since XX/XX/XXXXI have plenty of evidence that i live in XXXX since XXXX XXXX i have my job here, i have family, i have another lease agreement with another landlord since XXXX, i am making regular payments, i am person who will never drop something wich i have to do. Tank you for you help.
Consumer complaint received 2015-07-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

GMAC filed bankruptcy and sold our loan off. Ocwen financial now services it. XXXX years ago they showed us at XXXX on line for our loan. I set it up for auto pay bi monthly to pay it off faster. since then the amount has gone up to XXXX and yet we have not been late once nor have we missed any payments.
Consumer complaint received 2016-02-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

Below is a quote of a secure email I sent to Pennymac on their website " We have tried to reconcile some issues with Pennymac concerning our escrow account, we originally called on XXXX/XXXX/2016 at XXXX, I do not recall who we spoke with, but he or she told me they would contact the tax department and someone would call back. 
On XXXX/XXXX/2016 I called again and spoke with XXXX and she indicated top me that she saw we had called, and she said it takes 10 business day for a reply to be generated - it would have been nice if the person that answered my first call would have said that, I would not have wasted my time calling Pennymac on XX/XX/XXXX as that was not 10 days from my original call. 
On Wednesday XXXX called at about XXXX and left a number ( XXXX ) and extension # ( XXXX ) for me to call back. I tried to do so, but the extension we called went to voice mail and we never received a call back. 
On XXXX/XXXX/2016 XXXX called me back and said that there had been no resolution noted, but she would call back when she heard something. 
Today is XXXX/XXXX/2016 and so far as of XXXX we have heard nothing. 
We now intend to file a complaint with Bureau of Consumer Financial Protection about the non-response from Pennymac about our concerns dealing with you about our escrow account. 
We have gone into the XXXX County Treasurer and Tax Collector and they stated that the amount of taxes noted on our tax bill is true and correct and they stated that the amount you project for payment out of our escrow account is WRONG. Pennymac payed the first half of the total years tax in XX/XX/XXXX of {$1400.00} and the balance to be paid in XX/XX/XXXX should be the remaining balance of {$1400.00}. Yet you indicated on the account projections sheet that you are going to pay {$1600.00} in XXXX and the same amount in XXXX 2016. 
You sent us a overage refund of {$360.00} on XXXX/XXXX/2016, we feel that overage should have been about {$360.00} more according to projected continued payment of escrow payments as of XXXX 2016 of XXXX, and yet you are increasing our escrow payment to {$320.00} an increase of {$5.00}. 
I know from previous secure message email to you that it takes to 2 days to get a reply, I would suggest you reply ASAP if you can get this settled as the complaint to the Bureau of Consumer Protection will be dispatched this afternoon. 
I find the non-response by Pennymac to our concerns about our escrow account an affront to my sensibilities and it seems that Pennymac has a truly inconsiderate and unresponsive consumer affairs department. ''
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (GA)

Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from XXXX XXXX XXXX XXXX, XXXX out of XXXX representing LVNV Funding LLC as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the XXXX office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very XXXX- the calls and letter.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed Chapter XXXX bankruptcy in XXXX XXXX and was granted a full discharge. In XXXX of XXXX, I applied for a consumer loan with my credit union and was denied. My credit report showed XXXX serious delinquencies that were filed in XXXX and XXXX by the utilities companies whose bills were included in my discharge in XXXX. XXXX correctly shows these as discharged in bankruptcy. Transunion is incorrect and shows them as serious delinquencies. I do not know how it is reported on XXXX because I was a victim of the XXXX data breach, so I froze my credit reports. I could not obtain a PIN from XXXX to lift the freeze so I can not see that report. However it should not matter ; in this case, I was denied credit because these XXXX creditors re-filed ( through collections agencies ) against me debts that were discharged in Federal court.