davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I disputed the accuracy of the Chapter XXXX Bankruptcy listed on my credit report since the information is not correct. I disputed the information ( entire record ), and it came back verified. My initial dispute was online, so I thought possibly a letter would garner better response. That is not the case. Shortly after my dispute was verified, I mailed a request to Experian to provide me with the method of verification and supporting documents they obtained from the bankruptcy court to validate the debt that would permit it to stay on my report ( as I was requesting it be deleted ). I did n't receive any response to my first letter, however, I failed to make a copy of any postmark that would substantiate I mailed them something. On XXXX/XXXX/15, I called Experian at XXXX and spoke with a dispute representative, XXXX. I requested the verification information again and he said that Experian would have called the court directly to verify the information ( since I had intimated that I knew the information was verified through a third party database, and not the original creditor ). He said he could not provide me with any verification documents as Experian is not required to provide that to the consumer. I told him I would be sending another letter to get the documentation that verifies they disputed the information directly with the original creditor, as well as going to the CFPB with a complaint since they ( Experian ) are not in compliance with the FCRA and since the record was not verified with the original creditor and, therefore, it must be deleted from my report. 

Prior to mailing the XXXX/XXXX/15 final letter requesting verification, I called the Bankruptcy court in XXXX XXXX NJ as a final check of all of the information I had gathered at XXXX. I asked to speak with the person who verifies credit reporting information to the XXXX bureaus. The person told me that court does not get involved in disputes and certainly does n't verify any information via the phone. She confirmed that any information reported about a bankruptcy to a person 's credit file is done through a third party system which does n't even list complete socials. She said verification is just not done by the courts ( via phone, letter, etc ). She said it would require the case to be re-opened to release any information and she hung up. 

I called myself to verify the information and I was not able to. I was flat out told by the original creditor that they don't/ wo n't verify credit report listings. I am trying to understand how the inaccurate/unverifiable record can remain on my report for a number of years? Please find attached my latest letter to Experian in an effort to have the listing removed from my report.
Consumer complaint received 2015-11-18
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Select Management Resources, LLC (OH)

On XXXX/XXXX/2013 I took out a {$3000.00} Title Loan from Drummond Financial Services, LLC dba Loanmax located at XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX. My first payment was due on XXXX/XXXX/2013 in the amount of {$1000.00}, due to payment being late 11 days LoanMax took my cash payment of {$1100.00} then advised me that due to the late payment my loan had to be refinanced. My payment that was made on XXXX/XXXX/2013 of {$1100.00} did not apply to either loan. At this time LoanMax still has a lean on my vehicle and due to the fact that this company refuses to work with me I have not made another payment since XXXX/XXXX/2013. Supporting documentation can be supplied when needed.
Consumer complaint received 2015-11-18
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Weltman, Weinberg & Reis Co., L.P.A. (MS)

On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.
Consumer complaint received 2015-11-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Coastline Financial Resources, LLC (IL)

A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives.
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has a property listed at XXXX number XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I put a FULL PRICE offer of {$360000.00}, on this property, which is listed with the REO agent XXXX XXXX. License number is XXXX XXXX in XXXX XXXX XXXX ; on XXXX XXXX 2015. My Realtor was told that they Had a several offers over the Listing Price. Now the property is back on the market and is Listed XXXX below the previous Listed price and my prior offer. The Realtor now is saying that she has offers again, over the Listing price. I feel that since I am not using Wells Fargo for my mortgage, which an addendum was presented that wells fargo can prequalify me, and other documents pushing a Wells Fargo 's Mortgage person, the Realtor is not taking my offer. I also Feel, that the realtor is taking offers that she is getting both sides of the commission on which seems to be a conflict of interest and in the best interest of the REO Lender. This is not the first Wells Fargo REO property, that this Realtor did not accept my full price offer. My Realtor was willing to give her XXXX % of his commission to make this transaction work. Can you help me?
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

XX/XX/XXXX, we were scammed by a company offering to get us a modification of our ARM mortgage. Our mortgage servicer at that time was AHMSI. We received approval for our mod., made our first three trial payments on time, then were informed by AHMSI that we were denied ( after being approved, sending in our XXXX signed, notarized copies, and receiving back the signed copy from AHMSI ) because they had not received " required documents '' ( income tax returns ) that had been sent in numerous times, including the copies given to their field representative in person, who sent them via ups red, with a tracking number. After that they tried to foreclose on us. 
At that point, I contacted HUD, who contacted AHMSI, and they agreed to do an " inhouse '' modification, and though the terms were not as advantageous, we agreed to, out of fear of losing our home. We made the three payments, but after that, when trying to make a payment by phone, our payment was rejected, the operator informing us that we were in pre-foreclosure ... ..it took two more years before the sheriff arrived at our door with foreclosure papers ... .during that time, apparently our loan was sold to OCWEN, and we had no idea ... ..we were never notified of this event. 
XX/XX/XXXX, we went to court, and the council for the bank urged us to sign a consent judgement to buy us 120 days to get a loan modification. We agreed, as we thought we did n't have a choice, but since the attorney did n't have the proper paperwork, we did n't sign anything. 
We had already submitted the loan mod. paperwork to Ocwen, although they claimed not to have received it, so we handed a copy to their attorney. 
Ocwen approved us for their SAM modification, so we immediately signed, notarized and sent in, via certified mail, the appropriate documents, and also sent in the initial payment 6 weeks early. Meanwhile, their attorney continued to insist that we HAD to sign the consent judgement agreement, which, I believe is considered dual tracking ... 
Ocwen mis-applied our payment, and we have been receiving phone calls from them, as well as emails from their attorney asking if we intend to make the XX/XX/XXXX payment, which we made XX/XX/XXXX. 
I responded to their attorney with the corrected info, and she responded to me that I was correct, and that Ocwen was asking about our XX/XX/XXXX payment, which is n't due for weeks! 
How can they harass us for a payment that is n't even due yet, when we made a payment six weeks early?
Consumer complaint received 2015-11-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (AK)

I attended University of XXXX XXXX in XXXX WA, and graduated in XXXX 2013 with a XXXX. In order to attend this private school, I took out private student loans with my main bank Wells Fargo, today costing in the range of {$150000.00} of debt. Upon graduation I was able to pay a very small monthly portion with my parents help, but the payments soon proved difficult to manage, and I was unemployed. With the help of my parents, who are my cosigners, I asked Wells Fargo for payment assistance, either forbearance, postponement, or smaller monthly payments so I that I would be able to handle the payments, especially when I did get full time employment. The response I got in the beginning was " We will get back to you. '' Now, their calls are frequent and harassing, asking for payments. When I tell them, repeatedly, that I can not make the payment and would like to discuss options, I am told " there is nothing we can do '' and then they ask for the payment again. At one point, I began to receive calls at my place of work, from the work phone, a number I never provided to Wells Fargo. I asked where they got the work number and they did not disclose a source, at which point I told them to erase the number and that I did not want to receive calls on the work phone as it is reserved for business call only. Last spring, my mother was finally able to speak to a representative in their Student Loan Payment Assistance team and I was sent a packet to fill out. This was the first time I had heard of the Payment Assistance Team, after over a year of asking for assistance over the phone. I filled out the paperwork, sent in my paystubs and paperwork by mail, and heard from my parents that they too sent in their information. I never received a response, and continued to receive phone calls and letters requiring payments. After a few weeks, I received a letter stating that they never received all of the paperwork and my assistance request was denied. My mother resent the materials by fax, and received the same response. Since then, we have sent in the paperwork a total of 6 more times, with the fax receipts to prove it, and zero response from Wells Fargo. I am beginning to doubt the validity of the Payment Assistance Team, and have no faith in Wells Fargo to offer help or assistance. When I have explained over the phone to Wells Fargo employees the fact that my monthly payment is not enough to cover this Student Loan payment, as well as rent, my Federal Student Loan payments, utilities, and personal necessities ( i.e. food, clothing, toiletries ), I am met with no offer of help or options that I can choose from. When I mention I am working with the Payment Assistance Team, the debt collectors often do not know what I mean and can not transfer me between departments. Overall, the lack of help and assistance is frustrating, as well as the lack of constructive communication between Wells Fargo and myself.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (CA)

Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!
Consumer complaint received 2015-06-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (CA)

I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. 

The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. 

Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. 

At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " debt. ''
Consumer complaint received 2015-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (WA)

Debt was paid by Veteran Affairs. Since that payment made this debt has been turned over to XXXX different Collection Companies, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX. It was turned over to XXXX XXXX XXXX. It took XXXX letters informing them that the bill had been paid by the VA had paid the bill. With both letter I enclosed the letter the VA had send to me, stating that the bill had been paid in accordance with Fee regulations, that the amount was payment in full, and that they could not seek additional payment from me. The last letter was sent to XXXX in XXXX 2014. When I got my credit report in XXXX 2014 I noticed that in XXXX XXXX had reported a delinquent account to the Credit Bureaus. So I sent a letter to them along with a copy of the VA letter. Now I have got a notice from Dynamic Recovery Solutions. They state that there client XXXX XXXX XXXX, XXXX is now trying to collect on this debt. I have sent a letter to Dynamic Recovery Solutions and a letter to XXXX XXXX XXXX, XXXX. again informing that this debt was paid by the VA. I have also enclosed a copy of the VA letter. What can be done to stop this harassment, each time this is turned over to a new collection company they report to the credit bureaus a delinquent account.
Consumer complaint received 2015-11-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

i called them on XXXX XXXX 2015 and said i need to do a voluntary surrender of my vehical. so they started typing on their computer.. they then said i need you to do a recording i said no i dont need to do a recording to do your surender. I said why? i just told you thats what i wanted to do. so i hung up.. they called since then since today 224 times.. and i have talk to them.. now they are harrasing me every time. my last phone call was well its your loan, you need to pay it. thats what i was told. i said do you ever look at the notes yes i do ... so you want to surrender the vehicle? i said yes they said hold on ... well its been 75 days past due how do you want to pay..i said what are you talking about.. i said if you really read the notes you would knwo that i said i want to surrender the truck
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (IL)

XXXX PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.
Consumer complaint received 2015-11-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Express Cash Mart Management (IL)

I started with an installment loan of {$200.00}. I have been paying on the loan since XXXX. It has noe accumulated to over {$600.00}, and the company assigning my wages. I never saw a court order and sent a letter by certified mail to stop the assignment. How long can they collect? Will the letter stop the wage assignment?