davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SIMM Associates, Inc. (KY)

I took out a private student loan with my father as a co-signer through XXXX XXXX XXXX ( XXXX ) while attending XXXX University XXXX. After I withdrew from school, I used used up all the deferrment and forbearance options while trying to work and pay off loans and living expenses. At the moment, I am 147 days behind on my monthly loan payments through XXXX. I have spoken with them and they are attempting to work with me to keep my loans out of default. However, both me and my father are also being continually contacted by agents from Simms and Associates, a collection agency out of XXXX, who says that they are servicing this same debt and seeking payment. They keep telling us that we must make some sort of immediate payment to them to keep the loan from defaulting, going " outside their office '' and causing them to seek a judgement against both my father and myself that would include garnishing my wages and taxes as well as garnishing both my father 's social security payments and his pension. I have repeatedly told the agents from Simms and Associates that I am working directly with XXXX and they tell me that my loans are not in default at the moment and that they are currently not seeking any judgements against either me or my father. Nevertheless, the agents from Simms and Associates maintain that I am to pay them and not XXXX directly in order to avoid garnishments. 

What I would like to do is keep working with the service providers at XXXX to keep my loans out of default, but I am unsure if I should take the threats from Simms and Associates seriously and, if so, if I should be making payments to Simms and Associates or keep making payments to XXXX. Furthermore, I would like to make myself as the primary person responsible for this debt the contact person for all calls, letters and other communication and stop them from harassing and threatening my XXXX father about garnishments on his social security and state pension. 

I hope there is some way to find a solution to this problem that will work for everyone involved? I am more than willing to make payments on these loans, but I need them to be payments that work within my budget and place responsibility entirely on me and stop the harassment and threats to my father.
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi there. 
My complaint is regarding Bank of America ( BoA ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that BoA had enrolled in an " Advantage Program '' which gave me " various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while BoA investigated the matter. I also requested that the charges be reversed and that BoA remove me from any " Program '' which resulted in my being charged monthly for " benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which BoA had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) " program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the " enrollment '' date, it would be up to me to then take a further step of visiting a BoA branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call.
Consumer complaint received 2016-01-16
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Halsted Financial Services, LLC. (FL)

Halsted Financial continued to make threats of suing me and harassing me by phone, in regards to an unpaid debt. I made an arrangement to pay the XXXX dollars on XXXX/XXXX/16 I scheduled for a payment of XXXX dollars to be drafted out my account and they charged a fee of an additional XXXX instead of just taking the XXXX out they took another unauthorized payment of XXXX on the same day. they called back and said our system made an error but the XXXX will be back in your account today, and it was never credited. They also said that they will send me emails discussing the settlement and whats owed and I never received the emails. They lied, harassed me, and went in my account without authorization. This company is horrible, and companies should have to pay for violating consumers rights!!!
Consumer complaint received 2016-02-23
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Account Discovery Systems, LLC (GA)

I went to school and took out a few loans to pay for the cost. I am now trying to work with the company to start repayment. they have given me a forbearance period. I have verified on several occacions what loans are owe and etc. This other company called account discovery systems llc keeps calling me with rude and unprofessional attitude. They tell me they will garnish my wages if I do not come up with a settle ment. I have documentation of what I owe. this company has XXXX complains on them. that 's a briefing and I will gladly give more if needed
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (FL)

To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Bank of America in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation.
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file dated XXXX/XXXX/15, with Confirmation XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (FL)

Alliance One was notified by the XXXX Clerk of Court of outstanding monies for non-payment of traffic citations I owed. These citations were removed from collections by a County Court Judge. The amount owed for the citations was lowered by 40 % and I was allowed to make payment thru the Clerk 's Office. Unfortunately, I was not aware of this when I made a payment of {$3400.00} to Alliance One via my bank credit card. Alliance One FAILED to verify the amount owe, took the {$3400.00} payment and applied it to SOME of the oustanding citations. Even with the 40 % collection fee, that they were no longer entitled to, this amount was {$2700.00}. I have spoken to numerous representatives and requested my money back. Indicated they failed to verify the monies owed, because if they had they would have known the traffic citations had been removed collections. Even so, they still took more money than required and did not apply the payments. There is an overpayment of {$620.00} that they refuse to return plus the 40 % collection fee they were NO LONGER ENTITLED TO. My attorney called Alliance One to discuss the matter and their position : Write a letter to a XXXX XXXX .
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying. for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me.
Consumer complaint received 2015-07-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX, on my experian credit report it remains open, as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian, and after an investigation was performed, the item was not changed, and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can, but am hitting road blocks in every direction. I feel XXXX XXXX should have correctly reported this home equity line of credit as closed.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC (PA)

I initiated a phone call the ATG credit to resolve a debt. They explained to me on XXXX occasions that they would be recording the phone calls. I expressed to them that I too was recording the phone call for my purposes. They immediately got angered and told me that according to the FDCPA I was NOT allowed to record them. I tried to explain to them that the Federal law states that one-party phone calls are authorized by federal law and they hung up on me. I have also just filed a complaint with the XXXX minutes before this complaint. If they wo n't communicate with me and they will not send me the documents how am I supposed to resolve this debt? They would not send me any documents because they claim they already did. I explained that i have not received them. I asked for E-mails but they will not send them unless they have a credit card number or back check number.
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I was informed by several lawyers that my Ocwen mortgage should have been part of the lawsuit for fraud and robo signing. I contacted the Illinois attorney general and they attempted to intercede on my behalf. Ocwen wrote back to the attorney general saying that they have found no evidence of robo signing of fraud or deceptive practice. Then the go on to say that they need me to be more specific about my complaint and allegations. That is extremely difficult because my loan has been handled by numerous other fraudulent companies that have since disappeared along with the paper trail required by law. My loan wen from option one to homeward to home servicing and a couple more in between all have ceased to exist since the were squired by Ocwen. I tried to get records and documents from the prior loan companies but no phone number or addy exists for them. Ocwen has carefully snuffed out all means of contact and all means of proving fraud and robo signing. No I 'm in pre for kosher because when I applied for a modification Ocwen granted me one with a higher interest rate and the payment only a few dollars away from the mortgage I could n't afford. I am being told to apply for another modification. Today I received the certified letter about the pre foreclosure even though my representative from XXXX Ocwen told me that would not happen. The pre forclosure letter gives me XXXX days before Ocwen issues a full forclosure. I was assured by the Ocwen rep. that she would call me back on XXXX XXXX to dicuss other options and the new modification. Help
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX ACCT # Account info Account number XXXX Open/closed Closed Date opened XX/XX/year>2016 Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected .I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. Credit One Card services received numerous correspondences to correct or delete Delete this account from my file immediately for inaccuracy