davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Before I graduate from graduate program, I have made consolidated efforts to pay my student loans. After graduation, it is my expectation the loans be consolidated, I contacted Navient and they gave me the run around. They also did not openly disclose that my accounts have one identifying number. Unbeknownst to me and my cosigner, the payments was routed to one account number. XXXX conveniently made sure that this information was not public knowledge. Every month I am saddled with paying a high interest rates because the loans can not be consolidated. I now have multiple loans and there is little assistance from the company to transparently disclose options or to consolidate the loan to one interest rate. This is unethical as I expected an open and honest communications and one identifying loan number. This deceptive practice should stop as there are honest individuals like myself who would like to repay the loan and get out of debt. In addition, since I have been paying, the payments have only gone towards interests payments and the loan amount have remained the same since graduation. This is ridiculous!
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (KS)

Received a letter from American Coradius International LLC stating that I owe them for a collection for XXXX. The amount that it 's states I owe is XXXX. I checked my account on XXXX and it states my balance is {$0.00} and I do not have an open credit card account on XXXX. I did a credit report and not does it show I have an open account at XXXX indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

Son ( who is XXXX ) lived at a different address during XXXX of 2014. I am XXXX but we have similar names. 
XXXX is looking for money from him and tuned it over to a debt collector. For the last XXXX to 9 months they call XXXX a day and dont say anything ... .they sent a letter to us 3 weeks ago and i called and explained that this debt is not mine that I am current with XXXX and on Auto-pay. They assured me they would take care of it and promptly dinged my credit. I launched an investigation with all XXXX credit agencies and have filed a complaint against ERC, XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX, with the Florida ATTY General for Fraudulent reporting to credit agencies.
Consumer complaint received 2015-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

Municipal Services Bureau ( MSB ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it has not been resolved. In numerous exchanges with MSB, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. Specifically, MSB is in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. MSB is aware of this fact and is acting tortiously and harassing me. XXXX XXXX of XXXX vs XXXX, XXXX. Court of Appeal XXXX District. There is a 3 year statute of limitations. I sent a letter to MSB directly with this information, and at about the same time I started receiving one or more phone calls listed with " No Caller ID '' almost every day. I will not answer these calls, but given that MSB has demonstrated a gross lack of regard for the FTC 's policies, I strongly believe that MSB is behind these phone calls. As such, I believe that MSB is now not only in violation of the FTC debt collection harassment rules, but is also in violation of the Federal Communications Commission 's ( FCC ) policy regarding caller ID spoofing. Under the Truth in Caller ID Act, FCC rules, 1 ) prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value, and 2 ) subjects violators to a penalty of up to {$10000.00} for each violation of the rules. I am documenting the day and time of each phone call. If MSB is behind these phone calls, they are also continuing to violate the FTC 's debt collection harassment policy. Especially, considering that MSB has, in writing, stated that they will no longer contact me. I strongly urge the FTC and CFPB to investigate MSB 's debt collection practices.
Consumer complaint received 2015-10-05
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long.
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc. (AZ)

In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in XX/XX/XXXX, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of {$1200.00}. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. 

PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. 

Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (TX)

Couple of things here. This is directly connected to case XXXX of which you can share the information in each complaint with the other complaint party. 

I have yet another company attempting to claim this same unverified debt. Additionally now this debt - Which I was told went from a physicians office XXXX by Harvard Collections .... is oddly being collected XXXX as an ambulance bill. 

I have asked XXXX companies to provide proof that they actually purchased the debt .... maybe they XXXX work for XXXX as they use outsource collection agencies XXXX companies do, they make pennies on the dollar to our minimum wage - so the company saw that once vendor was collecting the amount wrong and sent it to another vendor? Or they are XXXX collecting the same thing with different descriptions? 

There is fraud all over this. I paid my co pays at the hospital that day, I am not sure why there is now a doctor charge and ambulance charge XXXX for XXXX from the same day with two different debt collectors. 

Additionally when asking for the original invoice, the notification of intent to send to credit collection agency, proof of ownership of the debt ... they guy said I can not provide you with that I can only give you the original invoice and our invoice ... XXXX well obviously I want more since XXXX agencies are trying to collect the same amount. 

So he provided me with two solutions .... 
1. I can just stop calling you and stop trying to collect, how about that? I asked if it would still be on my credit, he said yes, I said that is not good enough. 
2. Then he said I will settle this debt for you for {$150.00}, but refused to send that to me in writing with the requested verifications. How are you going to accept less as a resolution to me wanting verification of debt????? Sounds like a form of bribery to me. 

Then the XXXX manager - each time I asked for the documents I wanted they would escalate my call - told me if you want to verify that they tried to collect this debt, and that they did sell it to us you need to call them directly. You should be disputing with them and not us ... .. which would make my debt validation request pointed to the wrong party in the XXXX 30 days ... I think this is illegal. Additionally I am not disputing I was at the hospital, I am simply verifying where they are getting this amount because I have XXXX companies now that have tried to collect under different names. 

There has to be better reform ... how about transferring letters, from the original creditor and the collection agency each confirming they have completed a transaction for this XXXX debted amount. Something tangible, not just a hospital invoice and random collection company invoice ... I could make XXXX of those up and say I am the collection agent who owns the debt. The only thing this validates is that the collection company has my information. You have to come up with better regs around debt validation
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (VA)

In the last few years I have received repeated calls from various collection agencies for a debt that is not mine. They are calling for my ex husbands son. I have been divorced for XXXX years and he has never lived in my home and I have no relationship with him. I do not know how he continues to be associated with me or my family since the marriage was disolved a long time ago. When I ask to speak to a supervisor, I get disconnected. I have asked for them to stop but it seems to shift from agency to agency. Any adivice you can provide would be greatly appreciated. None of the agencies will tell me how they got my name and say it 's to protect their client.
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Credit Service, Inc. (UT)

I received a call from Asset Recovery Associatesfrom ( XXXX ) XXXX. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was XXXX XXXX I was being called to settle an account with XXXX Bank opened XX/XX/XXXX and Defaulted XX/XX/XXXX. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of {$2400.00} and I could stop this action from their lawyers if I settle as they would remove {$800.00} in interest. 
I asked for something in writing from Original Creditor as the female representative advised that this account had gone through XXXX creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of XXXX, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from the original creditor stating this was a valid debt. I explained that I appreciated that they had that information, but I was concerned this could be a scam due to the fact that I had never opened an account XX/XX/XXXX ( i was XXXX years old at the time ) and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my XXXX address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. 
I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for XXXX or XXXX? She became irritated with my inquiry and stated that the account was defaulted inXX/XX/XXXX. 
She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On or around XXXX XXXX i thought the illegal deceptive website XXXX listed itself under a paradim, deceptive fraud pitch that its free or Only {$1.00} for a free report, but after the data was taken, from Me ( idtheftvictim ) _then i was rushed with a ( " you_owe_bill ) XXXX $ but i didnt order, knowingly consent, agree, ,to the Charges or the setup basically, it was XXXX, purported, transunion was the free creditscore/report, then came a last min quick bill, with auto sales fake dealers whom had to give, share, sell my data, social to all or, and each other illegally now, after calling. speaking to XXXX. XXXX then to XXXX badge number # XXXX he solicitated nonstop for my social security number full address, idcredit card number, etc, as first Operator basically after solicitating for all sensitive sacred data, he said '' until u give To confirm the order info ( they falsified order numbers ( XXXX ) of XXXX dollar but that 's Not what they took from my XXXX card {$36.00} &, change overage fees, this company took advantage of me too as XXXX on computer in goodfaith, trying to get credit score.only foreignor. Hispsnics answering.very mean abusive. XXXX California. Lets shut emdown
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards