davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MA)

I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. 

I think it was XXXX I started getting XXXX from Nelnet. 

Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? 

The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. 

My phone used to ring off the fin hook from one machine calling my house to another one calling my house. 

After talking to the US Senator Warrem my check stop getting garnished. 

XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. 

Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. 

I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. 

In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. 

They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. 

side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and TransUnion WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and TransUnion will not properly investigate the account is the primary issue. I 've contact XXXX on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I WAS CHECKING MY CREDIT REPORT AND I AM I UNWARE OF THESE DEBTS FROM THIS COLLECTION AGENCY. I DO HEREBY REQUEST THAT THIS OFFICE PROVIDE ME WITH COMPLETE DOCUMENTATION TO VERIFY THAT I OWE THE SAID DEBT AND HAVE ANY LEGAL OBLIGATION TO PAY THIS DEBT TO ERC. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed ERC {$410.00} OPENED XXXX XXXX, XXXX ERC {$350.00} OPENED XXXX XXXX, XXXX
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (PA)

This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.
Consumer complaint received 2015-08-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Recovery Services LLC (WA)

I was contacted by an unknown number from a man claiming to be a private process, XXXX The claiming private investigator called me multiple times in a row ) I was given a phone number to call ( XXXX ) with a reference number XXXX. I contacted National Recovery Services was transferred to a XXXX XXXX who then said I had a case number- I was never stated the Mini Miranda. XXXX XXXX threatened Legal action stating I had a litigation case in the morning for {$470.00} for an account that was 9 years old. ( payday loan 2006 ). He said that someone would be coming to my house and I had court in the morning and was being sued. I told him I am disputing this debt and wanting validation, he told me its already went to other agencies, its pass that point. He told me I could stay out of court if I paid the Pre-litigation balance. XXXX {$470.00} ) I told him the account would be out of statute, he told me know because I wrote a false check, I told him I wanted to see the validation, I did n't know what this was for. He said he was going to sue me, XXXX XXXX Hung up the call.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing is trying to collect on a XXXX bill that is not mine. They have reported the debt to XXXX and XXXX as a collection. I do not owe this debt and I have never owed anything. The debt is for XXXX.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

after I spent XXXX seconds on the phone Equifax I was told that a court order was not enough information for them to remove an account from my credit file. I was told I would have to wait for it to fall of my credit report Equifax refuses to provide accurate credit information. They Must remove this item from my credit report.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Intermediary Services llc (LA)

i received a call on XXXX/XXXX/XXXX from a guy by the name of XXXX XXXX stating he was from Nationwide Intermediary Services. he was looking for my ex wife. I told him I did n't have any way of contacting her, he stated she took a loan out on XXXX of XXXX said my name and SS # was also on it and that I was responsible for the debt. I told him that I knew nothing about this and I was not responsible for this debt. XXXX states that I was responsible for it since my name was on it. I once more told him I did n't sign for any loan and I would n't be held responsible for something I did n't do. then he goes to telling me it was in the amount of {$3900.00}, and that with all the charges on it ended up being {$6200.00}. but if I paid it on that day or before XXXX XXXX it would not go against my credit score. then he said I could give him a credit card number are he preferred a debit card that I could pay it off for only {$1500.00} by that afternoon. I told him this is a SCAM! he states no its not they will garnish your wages and revoke your drivers license if this is n't paid. I told him send me an email let me look at it. he then sends me an email and called me back again asking if I was ready to send the payment? I told him I would send a money order or a cashiers check to him.. he states o we cant accept that only credit card or preferred debit card. I pretty much told him to XXXX off. after checking with XXXX of NY they stating this is a scam. also read online other have also been scammed by these people. the number used to call me was ( XXXX ) XXXX
Consumer complaint received 2017-02-20
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (NY)

rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.
Consumer complaint received 2017-02-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased my vehicle from Credit Acceptance Corporation in XXXX 2013. I recently fell behind on my payments by 45 days. On XXXX XXXX around XXXX XXXX XXXX. they repossessed my vehicle. I was supposed to be notified by letter 24 hours prior to this according to NY State law. The person who picked up my vehicle said to give him a call when I paid and I could pick it up after the loan company sent a release. I called Credit Acceptance immediately and was told I owed {$670.00} ( XXXX payments plus late fees ) I made and arrangement to pay on XXXX XXXX, which I did ( less than 48 hours later ). I was told by the loan company that I could pick up my vehicle and to call the towing company to make arrangements. When I called I was told that my vehicle had been picked up by the auction company that morning. I made 5 more calls to Credit Acceptance on Friday trying to locate my vehicle. I was first told it was n't at the auction house yet. I requested an address, which they said they could not give me. I was then told they could not contact them and Someone would call me back, which they never did.. Finally I was told that they were closed for the day and to call back Monday. I called 3 times Monday XXXX, XXXX, and XXXX XXXX finally getting my vehicle released. I was told it was now in XXXX, NY ( XXXX miles away ). I made arrangements to pick it up Wednesday XXXX. I was told that the plates had been removed and to contact the towing company in XXXX, NY. My issue is that I had to make a total of 13 phone calls, I was charged {$40.00} to get my plates and personal effects back from the towing company. I now have to take an afternoon off work to travel to XXXX, incur fuel and toll charges AND I was charged an additions {$85.00} by my loan company for transportation.
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stallings Financial Group, Inc. (GA)

Stallings Financial Group first called my mother about my debt before me. I called them back and the woman, XXXX XXXX, was very rude to me. She would not send me a hard copy of my debt, then she put me down as a refusal to pay and hung up on me. I called back to speak with a manager, XXXX, and she was very rude to me. I asked them not to call me and was very rude about legal terms. Her tone of voice was not what it should have been. I am very upset with debt collectors and how they have handled me. 
My parents are divorced, my father is the primary holder of my insurance by divorce decree. I have in writing that he has agreed, if sent to him, to pay. No collector will listen to me explain this and send me hard copies from the time I had XXXX.
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Finance System of Toledo, Inc. (OH)

received a notice of this debit. But I explained this debt was not accurate at all. I 'm being charged for something I never received. Not right at all. This was a XXXX doctor I went to get XXXX. My insurance was to pay for these. This doctor should of had pre approval from my insurance to obtain these. He did not. Made these and then states your insurance will do pay for these. Again not right at all.
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

My loan servicing was transferred to LoanCare XX/XX/2016. The performed and escrow analysis which was followed by an impound shortage notice. Upon research I discovered LoanCare had changed the terms of my loan and increased my MIP to a different amount than was in my original loan documents and final disclosures. I sent in the shortage and they applied it to my principal in error. I called and they corrected this error. Told me they would only be deducting the original MIP from here on out and that they made an error. XX/XX/2016 I refinanced my loan. My escrow was to be paid out and I logged on to their website to view the account history and verify the balance in escrow I was to receive. To my shock I discovered not only have they continued to deduct the wrong amount for MIP they misapplied the payoff and coded it XXXX different ways including something to do with foreclosure. I have never missed a payment and in fact had always paid early. I called them and they are completely ambiguous in their responses. I 've emailed with details of my issues on the mismanagement of my escrow and the account payment applications numerous times. Two weeks later on both cases I receive a response email simply stating my account is paid off ... never once addressing the root of the emails I sent. I continue to call and most recently when I pressed for transfer to a supervisor or department that is responsible for clearing things up I 'm told they do n't take inbound calls or they choose to end the call and hang up when I press for explanation of what is going on with my account and try and hold them accountable for the mess and errors they created. It 's been over five months since they took over the servicing of my loan. My account had not been corrected and their customer service department is of no help. They do n't have any answers to provide and simply say it 's " Under research ''. Five months??? Today I sit here getting ready to make my first payment to my new lender and I still do n't have a resolution to what is happening in my old escrow account, when it will be corrected or when I will receive payout of the escrow balance. This company is completely incompetent and is a prime example of why we had a housing meltdown that triggered the recession. They should be shut down and never allowed to manage mortgage account again. They are rude, unresponsive and totally incompetent. They have a fiduciary duty to explain and fix errors they create when managing a mortgage account and they fail to do that time and time again.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Loan was sold from Green Tree to Ditech, horrendous customer service and my account specialist dropped off the planet for two months before we were able to communicate about my situation, she was nonchalant offered very little options. 3 mos after my verbal attempt to do a modification, sent all documents requested they said I did n't qualify because I had XXXX already at this point I 'm now four months in the rear with payments. Green Tree never paid my property taxes, I had to retrieve the lien for property taxes unpaid, And they cancelled my insurance. In XXXX I received my default letter of course, no sale date but foreclosure threat. No written documents informing me that I was in an active foreclosure status. XXXX still nothing, I asked for a pay off which was never received by myself or the mortgage broker but we were told it was sent and had expired already and a new one would be higher and the attorney fees in the amount of XXXX XXXX dollars, even if the past due payments are less than XXXX XXXX on today XXXX/XXXX/2016. I so stressed from the ordeal, I ca n't sleep and its affecting my XXXX just getting through the IVR for customer service, after an hour on the phone verifying account specifics and your concern the call conveniently is disconnected. Each time the account is updated the same personal contact info is given, but no one called or wrote to advise me that they entered my home, took pictures and placed a lock box on my door.
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Webcollex, LLC (FL)

CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has violated the National Mortgage Settlement ( NMS ) and is liable under the California Homeowners Bill of Rights ( HBOR ) 2924.12 ( g ). 
While Bank of America concedes the submission and receipt of a complete Request for Mortgage Assistance ( RMA ) application package as evidenced by the Bank of America initial review of the received as complete RMA resulting with the XXXX XXXX, XXXX incorrect MHA HAMP denial that was later GRANTED upon the Bank of America Appeals Department reviews of XXXX XXXX and XXXX XXXX, Bank of America has not provided the required five day notice to the borrower in accordance with HBOR 2924.10 ( a ). Also and in accordance with HBOR, there is no deadline for servicer 's to complete the modification process. 
Additionally, Bank of America can not record an Notice of Default ( NOD ), a Notice of Trustee Sale ( NTS ), or conduct a sale while the modification process is pending per California Civil Code 2923.6 ( c ). No deadline for borrower 's application. No deadline for servicer 's RMS evaluation. 
Therefore, the NOD recorded on XXXX XXXX, XXXX must be withdrawn by the recording of a Rescission with the XXXX XXXX County Recorders Office.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with XXXX, Transunion, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX