davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Credit Management, Inc (AR)

I never received a single bill from this company ( Professional Credit Management ), nor did I receive a voicemail message from this company that identified themselves, made a claim upon the debt, and asked for a return phone call in accordance with 15 U.S.C. $ {$1600.00}, or to otherwise notify me that I had a debt with this company and/or to make or set up payment arrangements. 

Then, i received a summons and complaint in the district court, to sue me for the balance owed from their attorney XXXX XXXX XXXX. This was the first communication I received from this company, which is also a violation of FDCPA 15 USC $ {$1600.00}. 

I filed a response in the district court, including objections and a brief citing Arkansas Supreme Court ruling on the matter, interest and attorneys fees, in which this company filed arguments that directly contradicted the FDCPA, in which under $ section XXXX, a debt collector under FDCPA is not entitled to attorneys fees or interest other than provided from in the original contract, to which this company was seeking above both allowed by Arkansas and federal law.. 

This company and/or their lawyer cited Arkansas law regarding " prejudgment interest and fees '', however, it neglected to accept that the original contract and debt provided for " no interest '' and " no fees '', which the company suing me was in violation of the Federal Debt and Collections Practices Act. 

I filed motion to produce documents and interrogatory response regarding this matter, in which legal counsel of this company refused to provide, and in which this is also a debt collection agency, which is also owned by the attorney, which is also a violation of the due process clause of the Constitution and the view of a judicial hearing in which when a claim is made, a defendant is entitled to " through due process '' adverse evidence and/or interrogatory response and production of documents, to which the plaintiff ( in this case XXXX and XXXX XXXX XXXX ) are required to provide. 

All of these are direct violations of the FDCPA, in which : a. ) I never received a bill or communication from the company, in which the first thing I received was a complaint to sue me, b. ) the company ( PCM ) and their attorney was seeking attorneys fees in violation of the FDCPA. c. ) The company PCM and their attorney was seeking interest above the contract and state law and federal law under 15 U.S.C. $ {$1600.00}, which is another violation of the federal debt and collection practices act. 

In which this matter needs to be investigated as unethical and violations of the FDCPA have occurred in this matter, then there is no telling how many other violations of citizens rights, that this company and their lawyer have committed. Whereas if it has happened once, then it is probably a regular occuring violation, which takes advantage of the consumer.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (LA)

XXXX UniversityXXXX XXXXI was a University student that began my education XX/XX/XXXX. After taking a break XX/XX/XXXX because of work, I restarted XX/XX/XXXX and was told I had to get a XXXX loan to get started again. NEVER was I told that I was going to have to make payments while in school. NEVER was I told that the interest rate was going to be 8 %. They say I did n't qualify for funding but yet I did before and I did afterwards so it was very strange to me that I had to get a higher interest rate loan from a 3rd party. XXXX was the only option that was given to me at the time. I have been paying on this loan for 3 years and have missed only XXXX payment which was the XXXX payment because I did n't know that I had to start paying on it while in school. It has been a struggle for me to pay for my federal loans and my private XXXX loan at the same time. My loan was then sold to UAS XX/XX/XXXX this year. I do n't feel the practices that XXXX performed were in my best interest financially but what choice did I have. My loan was for roughly XXXX. This loan was necessary for me to complete the program that I was involved in so doing it was necessary and they knew that. If I did n't take out the loan, than I had school loans for roughly XXXX with nothing to show for it.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (MI)

XXXX XXXX XXXX Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (WA)

The above debt was originally due to XXXX, XXXX. However, due to job loss and economic down turn -- I stopped payments. In 2013, I went from working a 5hr job to that of an 8hr one. However, in recent years the above agencies Midland Credit Management , Inc. a subsidiary of Encore Capital Group have resulted in FULL out harassment tactics. They are having me surveillanced/followed in my daily comings and goings, especially to and from work! 

I have been able to take some photos of some of their operatives. They are not shy about their efforts, often by walking in slow proximity, and looking back over their shoulders at me. In addition to sending " hasty '' text messages into their cell phones once they are sure of who it is they are tracking. Up and to a point, they were taking actual snapshots on their cell phones. It was n't until I spoke to a debt attorney over my cell phone, who clearly announced that they should stop it immediately. And yes my cell phones have both been hacked on top of everything else. 

I will be contacting other Federal agencies in regards to these blatant violations. Thank your for your prompt attention to this matter. And look to hearing from you soon. Sincerely.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

For my Citi Card account, I never gave authorization to go paperless. But Citi stop sending paper statements from XXXX 2014. As consequences I missed a payment of {$69.00} then being charged late fee of {$130.00} in following months. I request that you to investigate this issue, and Citi should refund the {$130.00} and remove related information for my credit report.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (NY)

I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. 

I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CO)

On XX/XX/2016, we accepted an offer from CitiMortgage to refinance the adjustable-rate mortgage we had with them, paying an application fee and locking in a 15-year, fixed-rate of 2.875 %. From the outset, we emphasized that the bulk of our living expenses are funded by automatic monthly withdrawals from our retirement accounts ( IRA, SEP-IRA and a tax-deferred employee savings plan ), in addition to our investment portfolio. 

After five months and countless hours of complying with Citi 's requirements for documentation -- often being asked for the same documents two or three times over -- we have been informed that our application has been denied due to " Insufficient income for mortgage obligations. '' This is despite our repeated documentation of over ample funds in our retirement accounts and steady monthly withdrawals. 

Citi 's underwriting department required : " If income is from retirement assets provide 2 months current, complete and consecutive bank statements to verify sufficient assets for income to continue for 3 years. '' Accordingly, we provided copies of our XXXX statements reflecting our retirement accounts and our bank statements -- several times. At no time did Citi ask for additional information about any of our retirement accounts, even though we offered. In the last communication from the loan processor, she stated that they had enough information to submit the package to underwriting. 

Our cash flow is more than ample to meet our mortgage obligations and living expenses. Citi has known this from the beginning, but continued to string us along and repeatedly asked for the same documents until finally after -- five months -- they declared that our income was insufficient. It is now clear that Citi simply did n't want to refinance the loan in the face of rising interest rates, and continued to mislead and deceive us. We have retained all correspondence and documentation. 

Refinance Loan # XXXX Original Loan # XXXX
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (WI)

I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.
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: ENCORE CAPITAL GROUP INC. (WY)

I have made pervious attempts to have the agency validate this " debt '', each time I get a response from them it is the topic of repayment of this invalidated debt. The last letter said they will stop contact with me but still continue to report this invalidated debt on my credit report.
Consumer complaint received 2016-07-12
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I had XXXX accounts with XXXX XXXX XXXX that were both tied to my mortgage. XXXX was a checking account with {$600.00} and another a savings {$25.00}. The savings was just opened to get a better rate on the mortgage and had no activity. First National Bank took over these accounts from XXXX XXXX in XXXX 2016. On my XXXX 2016 savings statement, I noticed I was hit with XXXX Dormant Account fees totaling {$20.00} and service charge fees totaling {$5.00} ... draining my savings account. I went into a First National office to try to reason with them and they told me that the savings account had not been used for 2 years. I explained to them that it was JUST moved to their bank in XXXX 2016. They would not even recognize the courtesy of doing business with a new customer and refund the {$25.00}, so I closed both accounts. It 's a horrible way to do business!
Consumer complaint received 2017-03-23
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (WA)

They continue to claim my Father ( XXXX XXXX ) is no longer residing at the property. This is totally incorrect, and i have jumped through major hoops to proove it. They refuse to answer any questions as to how they recieved the false information, and continue to threaten, file court docs, send out process servers and continue to harrass my XXXX year old father and our family.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS : My card was stolen XX/XX/2016. I immediately notifed AMEX and received a new card. However, when I received the next billing statement there were charges amounting to {$1800.00} that I did not make. I immediately called AMEX and they said they would take care of it and send it to their fraud claim department and that was it. ( I went through the whole list of charges and a person checked them off. ) Since then I have received endless number of communications from American Express stating they were looking into it, in some instances they credited me for {$8.00} which was a charge ( that I did not make ) at a drive through restaurant, and they credited me for other amounts but then charged them back to me, stating that they contacted the companies where the charges were made and the company said the card was presented so they charged the amount back to me -- -YES, THE CARD WAS PRESENTED, THE CARD WAS STOLEN, THEY OBVIOUSLY DID NOT CHECK ID. I HAVE CALLED, EMAILED, WRITTEN LETTERS, ALL TO NO AVAIL. They even charged me late charges for nonpayment of the amount -- -I am so frustrated. The fraudulent charges were all made within 24 hours or so of the card being stolen and my reporting. I have a file XXXX of communications from AMEX and still no solution to this incredible instance. Please tell me what to do. thank you very much. XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc. (SC)

I need to update my claim against Mid-Atlantic Finance Company. I gave the wrong account number to my previous claim as they have sent me a letter when they purchased my automobile loan from XXXX XXXX XXXX 's buy here pay here car lot. They sent me information on a XXXX XXXX XXXX that they also bought from XXXX.My account number was XXXX.This loan was purchased without my consent and I did n't know about it until two months later made one payment to XXXX after this company had purchased my loan. They collected the car a few months later.I never received a letter stating they did get the car, when it was sold, and how much was left owing on this car.I am also being charged for more that was left owed on the car when they first bought the loan.I believe they have broken Florida 's state laws purchasing this loan without my knowledge, or consent.I never had a contract with this company.My contract was with XXXX.Which I paid for over two years without one single late payment.They also have broke the law by sending me information on someone else 's loan.I gave this car back, and I feel they never lost any money as they bought this loan for a higher amount that was owed on from the buy here pay here, and then they received the car back, and was sold again. This company has made several false information on my credit report, as I am a member in XXXX credit.They went back and searched my account and found where they went from not reporting anything on this closed account to changing it on terms of months when I purchased this from the car lot it was for three years.I only a year, or less left to pay they put in 360 months. They changed amounts owed.It was a little over XXXX XXXX, then XXXX XXXX, and now over XXXX.This company has several complaints, and lawsuits over their acts. I feel they have broke several laws trying to collect on money I feel I never owed this company anyway.I never signed an agreement with this company. They purchased my loan on XX/XX/2012.
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery/ fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because Portfolio Recovery/XXXX is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. 

My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. 

In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. 

I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. 

I ended the call after speaking with a supervisor.
Consumer complaint received 2016-12-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONS LENDING CORPORATION (FL)

I applied for a refinance loan to 1 ) reduce my interest rate and 2 ) to get some cash for home improvement. I was told by XXXX XXXX that I could skip 2 payments reduce my interest rate and get the escrow on the old # XXXX in the amount of apx {$4800.00} dollars. Half way through the process a Senior Sales Manager named XXXX XXXX told me there was an issue ( XXXX/XXXX/2016 XXXX EST ). The title company said there was a shortage of apx. {$1600.00} and I would have to send them this money to continue. I was furious, the next, the next day he took care of it saying " We are good. I took care of it for you. It was n't your problem and is was n't right for you to pay for it. '' However in the end NLC paid the title money out of my escrow and added the remainder to my current loan # XXXX. NLC lied to me and miss represented themselves to me about the title company shortage. In the end I have had to pay for XXXX for my wife and I just had a XXXX also unexpected. Please help as I also have all the emails back and forth from XXXX XXXX and XXXX XXXX. PLEASE note half way down the " XXXX '' document you will see XXXX XXXX assures me of the financial outcomes. The " Issue '' document shows the Title company shortage issue.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Michael G. Niles (OR)

Company named Executive Financial is repeatedly calling my personal phone regarding debt. They do not provide the name of the person they are calling for and I do not have any outstanding debt that would have been submitted to a collection agency. Several online complaints claim they have erroneous info and are phishing. Thank you!