davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ASTA FUNDING INC. (NY)

Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
Consumer complaint received 2015-10-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

These people brought a illegal loan usury interest rate account from cash central XXXX ... Cash Central does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.
Consumer complaint received 2015-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (NY)

The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.
Consumer complaint received 2015-11-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (ME)

First of all when I consigned these loans I did n't know the difference between federal and private with Sallie Mae. The interest was anywhere from 10-13 %! I begged for consolidation at 4 % when the XXXX were doing that. This is how I found out these were private loans and they did whatever they wanted, they did n't follow federal guild lines. we could not make the huge payments and they would not work with us at all. We defaulted. They are now threatening to attach wages and sue. I would be willing to make reasonable payments if the started over and added 4 % interest to our loan! NO ONE should have the right to charge 12 % interest! My question to you also is, can they attach wages or retirement funds. Thank you for your help. We need to pass H.R XXXX!
Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (AZ)

I was recently in a car accident and my car was totaled out. The insurance company paid Exeter Financial approximately {$6200.00} and because I do not have gap insurance I still owe approximately {$5500.00}. I immediately called Exeter Financial to see what they could do to work with me being that I no longer have the car. XXXX of the representatives said that I must still pay {$390.00} per month or I will be charged for interest and late fees. I said I did not know what I could do and was contemplating bankruptcy. Before I know it I am receiving collection calls for my car payment due XXXX/XXXX/2015 even though they just received a check from my insurance. Exeter Financial has a good contact number for me and knows my place of employment. After being only 4 days late representatives started calling my relatives. A lady named XXXX called my ex husband and said I told her to call him. I never gave permission to call my ex husband or any of my relatives especially being they have more then XXXX good contact number for me. I immediately called Exeter Financial and spoke with a supervisor who said she would look into the call. However, XXXX will not stop calling me and my relatives. The last time she called I said I do n't want anymore calls to my cell phone and XXXX Stated " the collection calls will continue ''. I want these representatives to stop calling my relatives and my cell phone over and over again. They will not work with me at all and now I am being harassed.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Constant calls 7 days a week, early morning, late night. I paid the debt in full after being told it would be marked as paid in full and removed from my credit report. It wasnt, only after i realized a collector cant remove or alter whats been reported to the credit report. Even after the payment was made in full ( 2 months after ) i received calls asking to make a payment.
Consumer complaint received 2015-09-11
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

My wife has been harrassed by XXXX from Kinum, IncPhone : ( XXXX ) XXXX on several occasions. When I attempted to call he was extremely rude and eventually hung the phone up on me. he threatened to get the money through my job at the XXXX XXXX XXXX at the time. He sent a text to my cell phone with his phone number. I addressed the issue with our insurance company and they are processing the claim for payment to the original medical provider. XXXX is extremely rude and aggressive and should not be allowed to communicate in this manner.
Consumer complaint received 2015-10-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

When I took out the loans with my co-signer from XXXX, what the terms of repayment would be, including but not limited to the interest rate, were very unclear. I went through college with the understanding that student loans were a great way to pay for college with fair and favorable repayment terms. Since then at several different points I have felt like a bait and switch. The terms include what seem to me to be an extremely high interest wait on XXXX of the XXXX loans which is at 9.75 %, which accrued annually while I was in school. Then I went back to school after paying on my loans for about 18 months, and they went into in school deferment, but at no time was it really made clear to me that the maximum they would allow would be 4 years. I am currently enrolled in a XXXX and now have to start making payments again. Due to the High interest rate and being in school the accrual amount of interest added to the unpaid principle balance has nearly doubled the amount I owe to pay off the loans.
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

US Department of Justice, FDIC, Office of the Inspector General, federal attorney review, Please. This is a complaint about the Consumer Protection Bureau ignoringrequests on Consumer Protection Bureau filings to have appropriate federal attorneylevels review filings since XXXX, 2015. Most especially, the US Bank filings sinceXXXX XXXX, 2015, should be reviewed by the US Inspector General 's Office, as thisOffice addresses fraud, abuse, misuse of banking systems and supplies, federal lawviolations, general misconduct in banking proceedings, etc. It is the appropriatelevel of Legal Review to have the Office of the Inspector General review howCFPB has handled this matter of filings, since XXXX, 2015, with virtually all requesting, in the opening lines, federal attorney and/or federal agency review, bringing andcoordinating all applicable federal agencies mentioned for thorough dispositioning. 

The Consumer Protection Bureau may be obstructing due processes in law, Obstructing justice, not to comply with customer 's requests. Furthermore, CFPBdiscourages further filings in the future, when there are legitimate complaints tobe filed and knowledge is that the CFPB will block the filings from appropriatelevel of federal attorney reviews. The appropriate and accurate description isinvolving a checking account, but all that has been reported involving US Bank, XXXX XXXX XXXX, too complex to categorize, with serious matters intertwined.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IN)

I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
Consumer complaint received 2015-04-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

I purchased and financed a car from Drivetime in XXXX Fl in 2013. They have not honored their agreement to report this financed purchase to the XXXX main credit bureaus. I have made repeat calls on this issue for over one year and it still has not been resolved. I have them deduct my loan payment directly from my checking account but they still feel the need to send me payment reminders to pay my loan every month. I get a different answer every time I call with a different promise to resolve the problem. I saw the legal action you have taken against them so I thought you might be able to assist me in this matter. Thank you.
Consumer complaint received 2015-11-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: DISCOVER BANK (PA)

In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt from Discover for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

Last year I contacted Sterus, Inc. about my inability to contact them with regard to my mortgage modification I have with them, I was not receiving documentation and was unable to send communication or speak with key departments, such as escrow or insurance. After about three months of this last year, the communication was fixed and I did receive my documents and the link on my account with this company seemed to be corrected. 
In XXXX, 2015, I contacted customer service to discuss my insurance which is included in my payments, actually thinking I was speaking to Seterus, Inc., but in fact was speaking to an outsourced divison in NC. In any event, they failed to take down my notes on insurance changes and no one got back to me. My new agent tried to handle this for me and they refused. I was trying to reduce the cost of my insurance to keep my payments the same or lower because I am on a low income. The current insurance company continued to raise their rates and its almost XXXX a year. I found a company to do the same thing for XXXX. After the phone call from my new agent, I called to speak to Seterus and they advised that an escrow analysis is currently under way which means that the negligence of the call center may cost me my house. Also I have notified the company more than once, that it was my intention to change insurance to keep costs down. So today when I called I was upset to find out not only did they refuse to pay the new insurance, they had paid the old one early. In speaking to the insurance department ( customer service did not help me at all here either ), I found that if approved the new insurance it would create a deficit in the escrow that would drive my payment up to an amount I could never afford. I needed to send a message to the escrow department to either hold the escrow analysis for a month or simply ask their advice on this matter since it is their common practice and it does DIRECTLY IMPACT MY MONTHLY PAYMENT ARRANGEMENT WITH SETERUS. 
I asked the supervisor ( XXXX XXXX ) to notate his refusal to contact the escrow department, or his refusal to make notes for the escrow department and also to contact yet again the IT department for the website, so I can send a letter via email to Seterus. 
I need to speak with them directly to clarify how to handle this expeditiously and keep my payment down. It just seems to me that they are trying to take my home.
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc. (CA)

I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
Consumer complaint received 2015-11-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP (WI)

I have a loan that was to be paid off to Heights Finance after over a month of attempting to gain the pay off figure I have yet to been able to obtain that amount, meanwhile they are attempting to repo the car. I have called, faxed and went to obtain the loan and could not get the exact pay off. The company has completely ignored the requests.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services (TX)

I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude.
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc. (SC)

I am repaying a student loan that I am a co-signer on with my daughter XXXX. She attended XXXX XXXX XXXX XXXX in XXXX Due to healthissues she became unemployed and could not continue paying on her loan. Thisloan went into default before I became aware of it. The loan was charged off and dNational Enterprise Services acquired the loan. At this time the balancewas {$20000.00}. I paid {$4000.00} down and began paying them between {$100.00} - {$110.00} a month for almost four years. During that time my balance went down to {$15000.00}. I filed a complaint when I finally realized that the interest was being compounded daily at 6.6 %. This loan would never be paid at this rate! Now, NES has CLOSED out the loan as they have not taken 2 months payments from my checking account, and have given the loan to a FINAL collection agency, XXXX Theysaid they would negotiate for a final payment of XXXX lump sum but thatI could NO longer make payments. This would never work for me as I am retired and can not afford XXXX lump sum due to a fixed income. Please help me with this unbearable situation!
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

See documentation from XXXX & gt ; Equifax states that I did not communicate with them. This is not true I have been submitting disputes with documentation for months. It is past the 30 day time frame under FCRA. The accounts with multiple errors should be disputed and barred from re -- adding. 
I have sent Equifax several disputes on these XXXX accounts over several months. They can not say I have not communicated I have sent these online. I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. The account was not on my XX/XX/XXXX Credit file. It was addded after it charged off for my husband. All charge off dates were modified and history in an attempt to re-age the debt. We filed complaints with the XXXX, XXXX, and also, the Attorney General of VA.There are multiple errors on my file. For this account and the other. It has been over 30 days since I disputed this at this point, since the Furnisher is verifying information they know is incorrect I want the XXXX deleted as well as XXXX is evidence of how many times these items have been disputed and though incorret. though I provided evidence they have left it on my file. These items should be deleted. It has been past 30 days.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (FL)

I just recently found out that I have a judgement against myself ( From a credit report ) I went to the Court House and asked them. They told me, " Yes you do. '' and provided me with the paperwork stating how much the judgement was for ... And now .... The collection agency is demanding over a {$1000.00} in interest. I was never notified of any actions that were taken against me by the collection agency. Then when I called them today and asked them to provide me with the judgement paperwork, where it shows that they were awarded that interest, they refused to do so.Please help me to resolve this issue.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (CT)

Rush Card deducted {$500.00} from account for bill pay, but has never delivered. I am allegedly one of many people having this issue. They stated last week that they would be returning funds within 2-3 days, but nothing thus far. View of current statement shows a decrease of {$500.00} in the balance with no explanation. Calls and emails not being answered.
Consumer complaint received 2015-04-08
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc. (OH)

They have a " Call Blaster. '' On XXXX/XXXX/15 they called me XXXX times between the MINUTES of XXXX and XXXX. I was speaking to the medicaid office in Ohio and it disconnected me and because of the repeated calls, I could not get back on my call. 
This is not the only instance of this happening. It has happened several times over the past few months.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Tower Loan of Mississippi, Inc. (AL)

I took out a personal loan in my name alone. Tower Loan called to verify the information while I was at work. Instead of simply leaving a message for me the representative divulged the amount and terms of the loan to my husband who I did n't give consent to.