davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd (TN)

I received a bill from Nationwide Recovery Systems out of XXXX, TX around XX/XX/XXXX, Stating I owed XXXX XXXX money in the amount of XXXX the woman I spoke to at Nationwide Recovery was more than nice, the trouble I am having is from XXXX . after speaking to nationwide recovery I was given the account number accociated with my name, My name is nowhere in their system, is what I was told multiple times everytime I asked for a supervisor they were " out to lunch ''. After calling lincare 3 times I finally got to talk to a supervisor who informed me the account number that was sent to the debt collector was from the year XX/XX/XXXX, I was XXXX years old year in the year XX/XX/XXXX. I 'm trying to purchase a home and do not need this on my credit score. Ive explained this to lincare multiple times but they are n't getting anything done. Its been almost 4 weeks that I have been stressed out about this and I need it resolved asap, I have stayed in touch with nationwide recovery and they have been great. I need to have this resolved, this is a 17 year old account. I was informed yesterday after attempting to contact the supervisor for lincare 6 times since last Friday that someone was looking into the archives to find the file, if it is in the archives how could it be sent to a debt collector on XX/XX/XXXX? I would appreciate it if you could help me resolve this matter quickly, I did n't want to leave a bad review but this is my credit their affecting not theirs. thanks for the help!
Consumer complaint received 2017-04-09
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)

This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AmOne Corp. (MD)

Somehow they got my info from XXXX and start texting me, calling me several times a day even thought I sent STOP on their texting but still calling morning afternoon and night. just amazing how aggressive they are. I never gave them a permission to call me or text. 

this is just spam calling and I just can't stop them to calling me and leave voicemail even though I block their number which is XXXX.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Pacific Financial Group (Closed) (CA)

I wish to remain anonymous. Recently, I found out that ththe Loan Officer I am working with does not have aNMLS number. I searched on NMLS Consumer Accessbut her name does not exist on the database. I didfurther investigation and found out that she hascriminal history and was incarcerated because offinancial fraud. I find this very concerning. 
Her name XXXX XXXX and she advertises her company asPacific Financial XXXX XXXX XXXX # XXXX, CA XXXX request that you look into this serious matter andrequire her to obtain NMLS number if she is to workon loans. This is very concerning to us consumers. 
Please feel free to email me XXXXXXXXXXXX. Thank you for yourhelp in advance.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Silvermine Ventures, LLC (NY)

I contact a mortgage broker who works for Thoroughbred Mortage. I needed to obtain a mortgage quickly and we discussed my situation and he said he could get it done within the next couple of weeks. He asked me what type of rate I was looking for and I told him XXXX XXXX with XXXX points. he looked at his offerings and said he could do that. We began all the paperwork, went through underwriting and then they suddenly sent me an updated disclosure that suddenly had XXXX of a point for my rate. I called him and asked him what had happened and he told me that he had not locked the rate in and unfortunately that rate was no longer available. Now he has me over a barrel because I need this to close. I think it was deceptive and dishonest. Is there anything I can do?
Consumer complaint received 2017-03-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo flagged my account and took money from my account to cover a transfer that has been authorized by the owner of that account. My case and account has been handled very poorly. They overdrafted my account and I do not have overdraft protection on my account. Which reminds me, every 6 months i have had to call up wellsfargo and remove overdraft protection services because it keeps getting putting back on my account. Ive gone online to remove the service and ive had to call to remove the service 3 times. They collected on fees and charges they were not supposed to take and i have never been refunded those amounts. One time i got them to remove an overdraft that was never authorized and they said oh well we can only do this one time ... as if they were doing me a favor. Now they have my account on hold which again overdrafted me XXXX. They said it was to cover the suspicious transfer made to my account. Now they are making so XXXX difficult to get that overdraft off my account and give me back my money that was just deposited into my account for my car payment. Wellsfargo used that money to cover their overdraft they put on my account. I have done everything to settle this and so has the other person who transfered into my account. Theyve already spoke to that person and he authorized his payment to me. I want to close my account with wellsfargo but i want my money back that they took to cover an overdraft that wasnt supposed to be there in the first place.
Consumer complaint received 2017-04-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

Citi.com ( their Costco product ) I disputed a charge. They appropriately credited my account -- then inexplicably put the charge back on my account. Their customer service department says it will take 6 months? They are still charging me the full amount ( XXXX ) on my monthly statements and say there is nothing they can do.
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NAM National Arbitration and Mediation (NC)

Deformation of character by sharing confidential information with my parents. Improper sharing of information include ( ie : verified debt collection, shared the file #, stated will file civil suit if I did not call by XXXX PST, verified my full name and date of birth ) The debt collection is for a debt closed in XX/XX/2009 - thus greater than 7 years. The ADR GROUP has NOT contacted me. The information provided was given to me by my father.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

After closing a Bank of America CD and transferring remainder of funds to my Bank of America checking account, I used a significant amount of the balance to pay off my student loans. The bank official taking my call was aware I planned to withdraw a significant amount of money, and at no time was I advised of any fees that would be charged to me when my account went below a certain threshold. When, after seven months, I checked the balance of my account ( I also have a credit card with Bank of America with an airline, for which I pay a yearly fee but do not use on a monthly basis ), I discovered {$170.00} dollars ( $ XXXX/ month ) had been taken from my account for " maintenance fees '' because my account balance had gone below a threhold of {$10000.00}. B of A rep XXXX in Montana, followed by his supervisor XXXX in Montana, decined to refund anything but {$25.00} in fees. XXXX stated no one at the bank would refund any more than that because I had agreed to receive electronic statements and they had no obligation to inform me of excess fees other than when I first signed up for the account over ten years ago. I have no recollection of being told I had to maintain a {$10000.00} balance, nor do I recall being given any options for a no fee account. I plan to close my account immediately.
Consumer complaint received 2017-04-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX, 2017, a Chase Bank branch refused to open a savings account in my name unless I provided detailed information about my personal investment accounts. I provided the name of my investment company which is among the largest in the US, but decline to provide information about the value of those assets. Chase said federal law required me to provide the information in order for the account to be opened. On XXXX XXXX, 2017 the Chase customer service line confirmed by telephone that the branch was correct in its refusal to open the account. ( I have another account at the branch with a significant balance. It has been there for several years. ) I was able to open the savings account at another bank the same day without having to disclose private financial information.
Consumer complaint received 2017-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

i called in to discuss my options because of the amount of money i make because of the fact i am a family of XXXX with a XXXX husband and i bring home XXXX after insurance and taxes before it was XXXX a year and they kept offering me a forbance and they never offered me the income driven repayment i seen online tried to link my tax return and it would not work and so they said that would send me the paperwork and when i got it there was consodating paperwork which i called come to find out there was some that was was not added when the other rep did the last time it was consodated which the main reason these call were happening was i got a loan forgiveness i was not even getting any bill or anything else telling i was even late which meant my credit was getting report but i was getting anything so until i called i dont feel they were doing their jobs and now i have probably have had about XXXX more added to my total since my last forbearance was started XXXX Florida XXXX FLorida XXXX
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

wells fargo. we are asking for a modification on the following property XXXX pa XXXX. we were accepted for a modification in XX/XX/2016 and the bank did not let us finalize the transaction. Now the bank says there are no programs available?
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cochren Bailey & Associates, LLC (FL)

I am an attorney employed with XXXX XXXX XXXX XXXX. Since my employment began here in XXXX XXXX, I have been receiving calls on my direct work line from Cochren, Bailey & Associates LLC, a debt collection firm, looking for an individual named XXXX XXXX. These calls threaten criminal and legal action against XXXX for a debt. XXXX is not an employee with XXXX. I have no affiliation with XXXX in any way. I have repeatedly advised Cochren Bailey that I do not know this individual, and that she is not an employee of XXXX. 

On XXXX/XXXX/XXXX, I sent a letter to Cochren Bailey ( with read receipt requested, which was done ), advised Cochren Bailey that they are and continue to be in violation of the FDCPA. 

I also filed a complaint with the XXXX ( Complaint ID # : XXXX ), wherein Cochren Bailey admitted, in response to my complaint, that they called my work number, and would not do it again. 

Since the date of the XXXX complaint, I have received three more telephone calls from Cochren Bailey looking for XXXX XXXX. 

XXXX/XXXX/XXXX ( I answered the call and against advised this office they are in violation of the FDCPA and that I do not know XXXX XXXX ). 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message. 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I have a federal student loan that was taken over by Navient. I have had to call them during my divorce, an injury, my son 's XXXX illness which led to a XXXX, to come up with a reasons monthly payment. They have not been helpful with repayment options and kept recommending forbearance. They keep placing it n forbearance and I have called numerous times over the years to repay at a reasonable rate. My loan that started at {$60000.00} is now over {$100000.00} and they wo n't agree to a monthly payment lower than {$980.00}. When my son was critically ill with his XXXX they kept recommending forbearance. I have called many times to tell them I am able to make payments of $ XXXX/month and they will not agree to it or negotiate another reasonable payment. It has ruined my credit. I usually work 7 days a week to pay my son 's medical bills and I explained that my first house is to cover his costs and I wanted to pay back my loan. They kept saying forbearance was the best option for me.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (SC)

1. ) An account was opened in my name on XX/XX/2020, with a credit limit of {$1600.00}. 
The last payment processed on the account was XX/XX/2020. 
In XXXX of XXXX, allegations were made against the XXXX company regarding child trafficking violations. 
At that time, proclamation of bankruptcy due to economic uncertainty was reputed and no further statements were received requesting payment.

2. ) After reviewing my account, I attempted to contact the agency on ( 3 ) different occasions petitioning confirmation of the unproven debt and obtained no response each time. [ See attached documentation. ] 3. ) It is my conclusion, that this inadequacy in communication allowed Midland Credit Management to continuously charge late fees despite my efforts in contacting them for validity of the alleged debt. 
4. ) My credit card limit, again, was {$1600.00} and the last purchase made was on XX/XX/2020 this would substantiate my submission that my credit card was clearly not at maxed-out capacity. 
5. ) Per my initial offer on XXXX, I requested full verification of the reported debt if not contacted by MCM within 15 days. My invocation was unacknowledged. [ See supporting documentation. ] 6. ) Within a timeframe of one month, this unverified debt would be considered time barred as the statute of limitations to retrieve a debt is 3 years. It is my perspective that Midland Credit Management intentionally withheld information regarding my account and declined to disclose details ; to profit financially from the accumulation of fees up until the statute of limitation was at capacity. 

Respectfully, XXXX XXXX
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Patriot Mortgage Corporation (VA)

Days prior to closing I received an email from broker stating " prior deals fell thru '' and my application " looked shaky '' and then a prompt request for me to " lend the agent {$3500.00} ''. I now have financial losses due to an apparent shakedown and other bad advice thru the process. Also, the worksheet was estimated at about XXXX and GFE days prior to settlement was {$36000.00}.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collectors Inc (GA)

See previous case # XXXX. I have previously complained about this companies tactics. 

They previously repeatedly contacted me. They screamed and yelled at me demanding my SS #. Based on their repeated bullying tactics, I refused to give them any of my personal information. Their ethics worry me and make me feel like if I give them the information, they will add me to this debt. 

Previously, XXXX said he was satisfied that this was not my debt based on the information you guys provided in my complaint ( partial social ). 

I have just received a letter today, dated XXXX/XXXX/2015. They are AGAIN contacting me about a debt that is not mine. They already know this is n't my debt. I am worried they are trying to MAKE this my debt. I do n't want to contact them because XXXX is not professional or calm - he screams and demands information. 

I do n't know what to do anymore. This is not my debt.
Consumer complaint received 2016-01-27
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC (MS)

API out of New York contacted me. They also contacted my grandmother. Told her the amount I owed also told her I could be taken to court or wages garnished. They have not sent paper by mail to my address. Will not give a return address. They took a XXXX dollar payment and then on the next payment we would pay XXXX. Called and did not get anyone. It said the XXXX customer was unavailable. The next day they called me. I asked about the XXXX deal. She knew nothing of it. XXXX is a local MS , TN & Al cell phone company. All I could pay was another XXXX dollars. They would not take it. Refused. Said they were turning it over to the courts. Also threatened my wife with charges. They sent a plain envelope with a basic layout to my grandmother with no return address only the amount I owed. Threatening, claiming court & garnishing of wages, giving out personal & financial info & not taking a payment because the amount was n't what we agreed on. I will not pay them anything else. API out of New York, I guess used all those tactics toward family member & myself.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Vouch Financial Inc. (FL)

I finished paying my loan in full over 3 months ago to vouch financial. After numerous calls I get no assistance and answers why the keep reporting this account as open. This is hursting my credit scare and credit worthiness. Furthermore, Vouch is in violation of the FCRA.