davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (CO)

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the 5 business day time frame of reporting the debt on XX/XX/2017. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Someone opened a fraudulent account in my name with XXXX.After filing an identity theft report with the F.T.C. and many phone calls and faxes, disputes and emails XXXX agreed to close the tradeline and have it removed from my C.R 's. I tried disputing this many times with all XXXX major Bureaus and XXXX and XXXX both removed the item however Equifax keeps saying that their SO CALLED investigation concluded that it was mine.These people at Equifax are SO INCOMPETENT it is unbelievable! I faxed, emailed them proof that it 's NOT MINE many times over and I am going to upload a letter from XXXX at the end of this complaint stating that they concluded it was fraud and requested that ALL XXXX BUREAUS ERASE IT FROM MY FILE!!! What kind of investigation does EQUIFAX do if any at all? This claim of them investigating is a blatant lie because obviously if they even made a phone call or read the faxes and emails they would have seen I am telling the truth!! As if it 's not bad enough i was a victim of fraud now I have to deal with these incompetent people at Equifax who seem, no not seem.. ARE making it so much harder for victims of identity theft to clear up their file then they make it for the crooks to ruin it.This is insulting and an Injustice and they have to be looked into because as far as I am concerned they are just as bad as the criminals who used my name to open fraudulent accounts!!!!
Consumer complaint received 2017-04-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (GA)

I have contacted Midwest recovery several times. I advised them the account was not mine and have sent several verification letters. Midwest Recovery will not send me verification of the debt that 's has my signature NY drivers license or anything I have asked them to verify. They have someone else 's name and it keeps reporting on my credit report. Then I disputed the account and it has taken longer then 30 days since I did the dispute. I also sent a copy of my police report and they are still reporting this fraud account.
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Eastern Account Systems of Connecticut, Inc. (NY)

Eastern Collection placed XXXX on my credit report because of a doctor visit in XX/XX/2015. Agency never mailed any information about debt to my address, never knew anything about debt. Never received any communication from this agency of doctor 's office about the debt until two years later.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I 've been trying to get put into an income based repayment from them for over 6 months. My other loan servicer XXXX has had no problem doing this. But Navient seems to continuously lose my info. I have mailed them my application and pay stubs twice already, but I just received my first notice of delinquency from them. I am more than happy to pay based on income, but it 's like they are just ignoring it. I do n't need a delinquency on my credit report, but every time I call all they do is say they 'll put me on a 3 month deferrment and process my paperwork, then they just wo n't process my paperwork. Meanwhile, while i 'm on deferment the interest just keeps freaking adding up. On a sidenote, it would have been nice I could have been using this for the past 7 XXXX years, but every time i called they would just put me on a deferment and let me be on my way.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC (CO)

Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
Consumer complaint received 2017-04-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This company has violated the FDCPA and the Fair Credit Reporting Act. 

They reported XXXX accounts on my credit report. I contacted both the company and the credit report agencies to demand validation of the debt they are trying to collect. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt This company instead reported the accounts to experian and equifax after they had been removed from XXXX because they could not be validated. These accounts were reported to the above agencies on XX/XX/2017, and I did not receive a reply regarding my request to validate until XX/XX/2017. 

Not only were the accounts reported to XXXX agencies while it was being disputed, the only reply I received was a simple form letter with dates and amounts, not any verification. 

There was no proof of any type that this debt belonged to me as I demanded. Their was no date of verification nor any documentation of the authorized HIPAA business relationship between ARS and the original creditor. Being that I was insured at the time it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and FCRA
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (IL)

I have Disputed this account since it came on my report XX/XX/2017. I am not the owner of this account. I even called and they said I would have to file a police report to have the collection removed. This is really hurting my credit. I am a teacher and I can not have false collection on my report. 

PHOENIX FINANCIAL SERV Outcome : Updated - The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.
Consumer complaint received 2017-04-14
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ten years ago I paid off a home equity line of credit with Bank of America. On XXXX XXXX, XXXX rec 'd a letter from them stating the loan was paid in full and satisfied and that there was no lien against the property so I was good to go. HOWEVER, I am currently scheduled to close on the sale of my house next Wednesday, XXXX and the title search in preparation for closing shows a LIEN on the property for the same line of credit referenced above. I have been calling Bank of America for over a week. Spent and documented at least 450 mins. Evidently it has been escalated somewhere but no one will tell me when/if I can get this satisfaction of payment recorded with the XXXX County Clerk which I NEED BY NEXT WEDNESDAY FOR MY CLOSING. Bank of America has the absolute worst customer service and automated telephone system Everyone pointing to everyone else. I have been hung up on, left on hold and been horribly treated when this is a blatant mistake on their part. 
I
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (NV)

I applied to Charles Schwab for a Brokerage account and a Checking Account on XXXX-17. 
They opened the Brokerage account, and the Checking account was pending. 
On XXXX17 the Brokerage account was closed and I was not approved for the checking account. 

I called on XXXX-17 and was told I would receive information in a letter they were sending giving specifics. 

I have received the letter from them but there is no specific information as to what caused them to reject me as a customer. 
This is a violation of the FCRA. Without knowing what they viewed in a report that caused my rejection, I can not make sure that there is not a mistake and repair any misinformation.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I AM DISPUTING XXXX REPORTING. 
I have a collection on my report from Portfolio Recovery Associates on XXXX. The account is not mine and it was closed and removed by Portfolio Recovery Associates on XXXX other credit agency but not on XXXX. The credit card charges are from XXXX XXXX. 
Portfolio Recovery Associates were supposed to make sure that that account will be removed from all credit reporting.
Consumer complaint received 2017-04-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. 
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. 
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. 
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. 
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Pioneer Credit Company, Inc (FL)

I got a secured loan with Pioneer Credit in XXXX Ga. They repossessed vehicle and sold the vehicle. They have changed dates and amounts. They never contacted me for balance due after they repossessed my XXXX which I originally had a clear title. They have change and said it was a unsecure loan on my file I disputed I have took a picture in my phone. They continue to change the original date of filing with credit bureau. It was a 21 month loan. They reported I paid over 21 months on snap shot I have. They took the repossession off my credit file and reporting now that I just got the loan on my report. I have pictures and copies of last month report. The reporting company is from a different state now ( XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX )
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have disputed items with this credit bureau more than once about a tax lien, two bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say they sent me a notice, which they did not. First of all I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, XXXX liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything. I am tired of the credit bureau taking their time and not responding back to disputes in a timely and efficient manner. You can provide them all the information in the world and they still will not delete items on your report. The inquiries from someone trying to apply for a car loan with multiple lenders ARE not mine and I provided a police report statement for those. How can something you did not do stay on your credit? It is outrageous how people are treated because the credit bureau wants to keep you down so you can pay people to help you fix items that should not be reported in the first place. I already have medical conditions that I have to deal with and I am barely surviving and to constantly fight with the credit bureau is very exhausting and puts more stress on me. I am currently getting advice from a lawyer on this matter and will take it to court if something does not happen with this situation that is constantly being drawn out with no rightful verification and proof. I can not even dispute items because I already have disputes that were never solved over a month ago. I wish they please stop taking advantage of people and if not correctly verified delete items that they know are supposed to be deleted. Stop going through third party sources to verify information that is not accurate or given permission to supply because that is breaking the law. I have proof they are not authorized by me to use any third party sources to verify any thing and I will use this in court if necessary.
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

Recently my husband, XXXX, had to have XXXX. During this time, he had to be on XXXX for six months which was half his salary. We asked Ocwen if we could make partial payments until he recovered and or we asked for a mortgage modification. Ocwen would not work with us and instead doubled our payments. They did not accept any of the money we sent, instead they made it more difficult putting XXXX on an already horrible situation. Then they threatened foreclosure. We have XXXX dollars in equity and Ocwen refused to do anything for us in our most difficult situation. They charged us outrageous late fees and made the payment double making it impossible to catch up. Please help us get some of the fees and retribution for what they are putting us through in such a terrible time.
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Peter Roberts & Associates, Inc. (MA)

I become aware of this " debt '' when I credit application was denied and I subsequently checked my credit report in XXXX. I contacted debt collector, PETER ROBERTS & ASSOC located at XXXX XXXX, MA XXXX to inquire. He informed me that this was for collection of medical debt by XXXX. As I have not received any XXXX care from this company since at least XXXX, I called the company which informed me that the debt was for what appeared to be a medically unnecessary treatment provided to XXXX, which was denied payment by insurance company because the procedure was medically un-necessary. XXXX XXXX is a XXXX year old adult. XXXX told me that they pursuing me because they have me down as her guarantor. I have never, either orally or in writing guaranteed XXXX ' medical medical bills, much less the medically un-necessary treatment. 
I told Atrius health and PETER ROBERTS & ASSOC that I will pay the bill to save myself the trouble of litigation and avoid having negative information on my credit report. 
Despite the fact that I paid this bill that does not belong to me PETER ROBERTS & ASSOC still reports this debt collection as if it was legitimate to credit reporting agencies ( as a debt that I owed and paid true collection ). I did not owe any money to XXXX and they used collection and negative impact on my credit score blackmail me into paying the money but still kept this false information on my credit report.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian states that the information remains. The account associated with XXXX XXXX XXXX, should have been removed for various reasons. Account was paid off in full back in 2013 so that I could establish new service with XXXX, which I still currently have, in addition to the fact that the account report is now at four years old being reported inaccurately. I have disputed this and at least one other thing with Experian previously and they never seem willing to correct anything on your report, and would rather leave the negative information. They even had the information shown as part of my recently discharged Bankruptcy which was also incorrect. Actually everything on my report is being shown as included in the bankruptcy, which is incorrect!! They did not even take the time or perform their due diligence to report each item correctly. Experian really needs to be sanctioned or reprimanded for reporting false information and not correcting errors as they are required for accurate reporting. This is crucial especially since they are trusted with providing your personal information to so many entities that determine or make credit and employment decisions based on what they report.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (MN)

My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.