davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federal Adjustment Bureau, Inc. (OH)

I have a a unverified account from FEDERL ADJUSTMENT BUREAU. I DO NOT RECOGNIZE this account. I have never done business with FEDERL ADJUSTMENT BUREAU. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FEDERL ADJUSTMENT BUREAU Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all contractual agreements between myself and Federal Adjustment Bureau. 
3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FEDERL ADJUSTMENT BUREAU Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-04-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

LoanMe has been sending me emails regarding my payment status, and claiming that I 'm calling them and to call Them back. However I have not called them regarding my loan nor have I emailed them. They continue to send me automated emails on how to make my payments and to call this number back as if I phoned them. It 's becoming annoying and it 's false communication tatctis
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Great Western Financial Services, Inc. (TX)

I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my loan.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to TransUnion 's updated credit file on XX/XX/2017 ( # XXXX ), XXXX # XXXX ... .. should be removed XX/XX/2017. As of XX/XX/2017, this item remains.
Consumer complaint received 2016-01-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Northeast Recovery Solutions, LLC (NY)

XXXX XXXX 2015, WEDNESDAY XXXX TRANSCRIPOT OF CALL FROM NRS `` THIS MESSAGE IS A CONFIDENTIAL MESSAGE CONCERNING XXXX XXXX XXXX XXXX. 
XXXX XXXX CONTACT THE OFFICES OF NRS GROUP CURRENTLY WE HAVE DOCUMENTS THAT HAVE BEEN FORWARDED TO OUR OFFICE ATTACHED TO YOUR FULL NAME AND SOCIAL SECURITY NUMBER. XXXX XXXX THEY 'RE NAMING YOU AS A RESPONDANT CASE FILE NUMBER IS XXXX. 
OUR FIRM IS PRIVY TO TALK TO YOURSELF OR ANY LEGAL REPRESENTATION CONCERNING THIS MATTER BEFORE THE CLOSE OF BUSINESS XXXX XXXX THIS XXXX. CONTACT OUR OFFICE AT XXXX. 
OUR FIRM 'S BEEN RETAINED TO CONDUCT AN ASSET SEARCH. WE WILL BE VERIFYING WAGES, INCOME, EMPLOYMENT AND PROPERTY. 
WE 'D LIKE TO AFFORD YOU THE OPPORTUNITY TO CONTACT THIS OFFICE SO THAT YOU CAN DISCUSS VOLUNTARY RESOLVE. IN DOING SO WE NEED TO SPEAK WITH EITHER YOURSELF OR YOUR ATTORNEY NO LATER THAN XXXX PMXXXX ''
Consumer complaint received 2017-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUMMIT FUNDING, INC. (CA)

Hi I recently refi 'd a loan that was previously with Summit Funding. The loan was paid off in XX/XX/XXXX. I believe the exact date of funding was the XX/XX/XXXX. When I call the ecrow department at Summit, I was told that I should received the check by the XX/XX/XXXX. They said they legally have 21 days to refund. If my calculations are corrent the XX/XX/XXXX is much more that 21 days.. I still have n't received the refund. I have called the Summit Funding escrow department several times. Last week I was told that the check was cut on the XX/XX/XXXX and I should have had it by now, I still do n't have it. Called again today and asked to speak to someone in the escrow department as to why I have not received my refund. I am done calling and now would like to place a formal complaint against the company .. Summit Funding has been terrible since we were approved for our XXXX loan in XX/XX/XXXX. Can someone in your office please help us to get our escrow check in the mail? Thanks
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PHOENIX EQUITY PARTNERS LLC (NV)

I received a call from XXXX XXXX XXXX from Phoenix Equity. While on the phone he repeatedly claimed I owed a debt on a credit card. He would not tell me what the card was or when it was from until I pressed him. He said it was a capital XXXX card from 2004. When I stated that I could not accept a debt that old or even knew if it was legitimate he stated, " This amount ( XXXX is his claim ) is a fraudulent amount and we can prosecute and put you in jail for up to a year. '' I stated I knew my rights and he could not threaten to sue me. He stated, " Of course you do, you are a fraudulent person. '' The name he gave was XXXX XXXX and he gave me his phone number as XXXX ext XXXX.
Consumer complaint received 2016-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Xtreme Products LLC (FL)

I would like to ask you what are the options or steps that I could do to get results from the a company that supposedly reduced or eliminated the interest fees and charges of my student loan. 
I enrolled in their program in good faith XX/XX/2015, the asking fee were automatically debited from my account and yet they did not deliver the results they promised. My loan was just being deferred and interest charges are soaring. 
I have not received any payment booklet as well. XXXX representatives handled my account yet no results was granted. Now it is being handled by the director but all she has given me is a round around. The person 's name and company name is : XXXX XXXX XXXX Director of Operations Emerg : XXXX XXXX XXXX USA STUDENT LOANS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nelnet, Inc. (FL)

It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.
Consumer complaint received 2016-07-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rossman & Co & PCB (OH)

Recently while conducting a monitor of my credit report I discovered that Rossman & COhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Rossman & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Hospital to release my child 's medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than, is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: American Lending Solutions, LLC (WI)

During the month XXXX 2015, I spoke with XXXX XXXX regarding a pre qualification mortgage loan ; before the interview via telephone I asked XXXX XXXX would this application appear in my credit file as a hard inquiry, XXXX XXXX assured me that the pre qualification by law must be labeled as a soft inquiry. In XXXX of 2015, I learned that XXXX XXXX had in fact completed my application as a hard inquiry ; which is not what I requested for him to do! I called into ALS to request that the company remove this inaccurate inquiry due to federal regulations regarding pre qualification mortgage applications, the company executive director XXXX XXXX stated that they would not remove this inquiry despite the fact the they were in federal violation of the mortgage pre qualification statue! I then proceeded to question why my pre qualicifation application had been denied due to a poor score ; according to the XXXX XXXX. XXXX XXXX. XXXX consumers are not to determined creditworthiness based off a poor XXXX score, especially if the actions of negative trade line credit reporting was due to financial difficulties or id theft occurrences. XXXX XXXX stated that her company does not have to comply with this federal statue. This company has currently been under several investigations due to mortgage discrimination, the original loan lender who completed my pre qualification application has been fired due to unethical lending practices.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (IN)

This is a follow up to my earlier complaint I filed back on XX/XX/2017 Case number ( XXXX ) I was told on XX/XX/XXXX by XXXX that my coordinator could resubmit this application for a Government CC and XXXX would go ahead and process it. My coordinator followed the normal steps and sent everything to the Attention of XXXX and left a few voicemails as well but no calls were returned. Then on XX/XX/2017, she was given notice again that my request is denied due to me already having an opened account. I was also told by XXXX, that a XXXX would have to fix the old card issue as it is considered identity theft and he works on that issue. I called XXXX twice but no call has been returned. 
I am so frustrated by the misinformation and XXXX I am having to go through for something that happened over 24 years ago by some company I have never heard of. Ive read that US bank was ordered to pay millions to consumers for bad dealings by your agency, ( CFPB ), yet I ca n't get them to release my name and SSN from a false account from over 245 years ago. Where is my justice and how do I get this matter resolved? 
XXXX
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC. (CA)

In XX/XX/XXXX I made payment arrangements online for a balance owing. A week later I was contacted by XXXX stating that no arrangements were made and he was not seeing it and that he will be calling me every two weeks. I had to explain to him what was done and that arrangements were done within his company website. He then asked me to fax a " resolution confirmation ''. I faxed him the information right away thinking that I was no longer going to be harassed. Today I receive another call regarding the same issue. I checked my account to make sure payment was taken out, which it was, but 3 days earlier than the agreed date. I spoke with XXXX again and I informed him and let him know that I was being harassed because arrangement was made and I faxed everything and still receiving calls. He sent me over to his supervisor, which was incredibly rude with no customer service. Informed him that I was being harassed and not feeling comfortable every month someone calling me and questioning me if I made a payment. Especially after payment has been made. Let him know that my bank account showed that they took payment 3 days earlier than agreed and he kept telling me that payment was made on XX/XX/XXXX let him know it was drafted on XX/XX/XXXX. He just kept saying " no it was n't ''. Told him I have proof in my bank statement. He said send it to him. He was very curt and rude. Let him know I did n't appreciate his attitude and he asked what did I want. Told him his first words should 've been " I 'm sorry for the inconvenience '' and in a condescending voice he said it and to email him the information. At this point I felt worst speaking to a supervisor than the customer service representative that I just hung up the phone. No one should be harassed, especially after making necessary arrangements and then being treated with such disrespect It is not my fault they are not coordinated with their web page and ca n't see people have already made payment arrangements. They need to get there issues resolved and stop harassing people and wasting people 's time.
Consumer complaint received 2016-12-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Braviant Holdings, LLC (OH)

I have a payday loan with a company called Balance Credit. I took out a {$800.00} loan and have made payments of {$1900.00} and my balance has not decreased. They are still wanting an additional {$1900.00} in order to settle the balance. This should be illegal if it is not already so. This is usury lending.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MO)

I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.
Consumer complaint received 2015-11-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (TN)

I opened an account with Mobiloans on XXXX/XXXX/15. Since then I borrowed almost {$900.00}. By XX/XX/XXXX I had paid back over {$600.00} of the loan thru payments made to this account thru my bank account. At present after making these payments I still owe over {$900.00}. I had to go to my bank and put a stop payment, since the withdrawals were becoming not only more frequent, but also bigger each time. 

I had read something about this company before, but they seemed to be legitimate, but later found out what the complaint were about. 

I had made the loan because I was in between jobs to help me get thru to the next month, but the cost of pay8ing back the loan has made it almost impossible to do with the amount of money I make in my new job.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Law Office of J.A. Cambece (MA)

JA Cambece Law Firm/Collection Agency located in XXXX, XXXX employees some of the most unethical and dishonest people in the State of XXXX. Their employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. 

This issue occurred to me unfortunately due to a divorce. I had an XXXX card at one time many years ago. XXXX is now out of business. The XXXX company and I negotiated a debt cancellation well over 7 years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This JA Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ) in XXXX, XXXX. 

They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX.. Extremely laughable and criminal.. I 've filed for CH XXXX bankruptcy with the US Bankruptcy Court in XXXX, XXXX. 

In the meantime they have harassed my work and are now looking to garnish my wages on XXXX XXXX 2017 which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. I have to testify at the XXXX District Court constantly. If this company thinks they can steal my money which I have none they are in for a rude awakening. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this company and XXXX actions, a lawsuit will be forthcoming. A copy of this complaint is being sent to my Attorney XXXX in XXXX, XXXX for possible legal action against JA Cambece and XXXX. 

That original judgement was also made without notification or contact from anyone. They lie, cheat, scam and steal from most everyone. Its proven by the multiple law suits against these " law firms '' and " collection agencies. '' They need to stop scamming the american people. Do something about these companies! 

They purchase bad debts for pennies on the dollar, some of which are already settled with the original creditor. They get " canned '' affidavits from employees at these creditors that have no knowledge of the actual debt. They harass and sue without the persons knowledge and obtain default judgements because they never actually serve the person. I 'm not making this up. There are countless class action law suits against these companies. They continue though without interruption even after being found to be scamming the american people and breaking the law.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (CA)

We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. 

I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.
Consumer complaint received 2015-03-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (OH)

Company - XXXX - Bills for my XXXXProblem started over 2 years ago. They never sent bills and then turned me into collections for a large amount. No previous bill received. I paid the bill. The next year, after not receiving bills I called to find out what I owed and was told I had a credit with the company. They would notify when I began to owe them. Same story - a few months later got a collection letter. Once again it was a large amount but this time was unable to pay this. I was set up on a payment plan - I was told that all I owed was included in this plan. Few months later I was called by their collection department to pay an additional XXXX+. When I called them they said this as not included in the plan. They found this other amount. I have repeatedly explained the situation to them and they tell me it is taken care of but then it happens again. Finally in XXXX we put together a new payment plan of XXXX/month for a year and I was to be paid off in full. Today I received a collection letter for XXXX. I have never received a bill and they keep changing their stories. I have no idea any more what is right or wrong but I truly feel as if I am being cheated. I cancelled my XXXX because I just could n't put up with this anymore. I have enough health issues and I ca n't take this stress. How do I make this stop. I have received calls and notices and I am just tired of having to deal with his over and over again. I work in a professional office and I would have been fired by now if I handled the billing like this company does. If you google them you will see I m not alone in my complaint. Please help me. This also involves my credit but none of this has been my fault. Should n't they be held responsible on their end also? Thanks for any help you can give me. I do appreciate it. 

XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Phone XXXX