davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MI)

On XXXX/XXXX/16, my PNC account was overdrawn overnight after my paycheck had suffered a garnishment which I had not expected. 
Punitive Fee ( s ) totaling {$140.00} were charged on XXXX/XXXX/16 for XXXX items which If I had known that middle of the night, I could have gone and covered. 
I had barely enough money to cover my said transactions but due to the punitive fees debited to my account, there was no way for me possible to cover a double hole. 
I called, begged, escalated, called, begged, escalated. Ended up reach a gentleman by the name of XXXX XXXX at PNC highest escalation and he told me they were not going to budge even if I filed a complaint with the Financial Consumer Protection Bureau. 
To protect myself I had to open a new account elsewhere, move my direct deposit. Cancel all my automatic payments and wait a week to be able to do anything. 
Now, they 're charging money daily to the account while it 's in the negative and have threatened to go into my spouse 's accounts to recover, because my name is attached on that account. 
These people are like jackals. Anybody on a fixed income with a hiccup can kiss their stability goodbye. Instead of being there to help, they 're the ones that chop you up. 
Please help us. 
All they have to do is waive the fees so we can fill the hole and go on. 
We 're trapped in a corner with nowhere to go. There are no funds available in our budget for their punitive fees. 
Thank you XXXX XXXX XXXX XXXX Michigan
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (VT)

I have been trying to refinance my triplex through PNC mortgage since XXXX of this year. The first time XXXX - XXXX they canceled the loan application, WITHOUT authorization from me. I restarted the loan application with PNC out of XXXX in mid XXXX and their processors are in Pennsylvania. I have been at the second time around since XX/XX/2016. I am so frustrated it is taking this long. I am currently financed at 7.75 % they offered me 3.5 % and said it would take 6 weeks. It 's going onto 5 months now. They said they were ready to close in XXXX, but the title company could n't match the address to the insurance paperwork on file. Now they just told me they need an appraisal. I was initially told that was not necessary. They told me today it did n't matter if it did n't appraise or not as it was just a formality! Why are they charging me almost a {$1000.00} for this. Why ca n't they use my assessor 's card? I owe considerably less than it is valued at. I do n't believe this will EVER CLOSE! ~!!
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DC)

PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OR)

Shellpoint Mortgage has reported a false information to us about a foreclosure sale date. They told us that there is a sale date on the property, but there is none. We have submitted an offer for a short sale and they advised us that because of the foreclosure sale date on XXXX/XXXX/2016 they can not review the offer, but we have called and they advised us that there is NO SALE DATE. I do not know why they would lie to us about something so important as sale date. The buyer is willing to pay what what the investor is looking for, but they gave us wrong information. PLEASE HELP US
Consumer complaint received 2016-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC (VA)

Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.
Consumer complaint received 2016-10-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (GA)

JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.
Consumer complaint received 2016-09-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JH Portfolio Debt Equities, LLC (GA)

JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXX, Apartment XXXX XXXX Florida, XXXX My telephone number is : XXXX My profession is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is {$200000.00} per year. 
Kindly update my demographics with the correct information please.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (OH)

XXXX offered me a deal for free cable and internet for 1 month. I could then return it after that promotional period. I asked about catches, and they stated their was a XXXX deposit for the equipment and that was all ( I can not remember the exact amount as this was about 8 years ago ). After 1 month, I returned the cable TV box to my local XXXX office. I then paid for the internet service for 3 months, and cancled at that time. When calling to cancel they stated that I would need to drive to the XXXX office to return the equipment, which is 2 hours away. I asked about the XXXX office, thinking they were mistaken about the closest one. They stated that I could not return it there, and that if I did I would be billed for the equipment. I asked for anything showing that I agreed to these terms, and they are yet to provide, because it never existed. I was very skeptical about the deal, so I read the 1 form for the equipment that I signed very thoroughly. It never mentioned anything about return the equipment to XXXX, and they never gave any objections to the Cable equipment being returned to the XXXX office. I would like the XXXX collection they issued which is now reporting with Credit MGMT acc # XXXX to be deleted from my credit report.
Consumer complaint received 2015-09-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

In XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead of XXXX XXXX. The servicer of the loan is PHH Mortgage Services. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set for XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain Silver State Financial involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 ) Explain XXXX involvement14 ) Explain XXXX XXXX XXXX XXXX ) Explain Mortgage Electronic Registration System involvement
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue me.
Consumer complaint received 2015-09-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.
Consumer complaint received 2015-09-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CNG FINANCIAL CORPORATION (WI)

check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MA)

I paid my minimum payment of {$51.00} on time to Chase bank on XXXX XXXX, 2016. I almost immediately received an email confirming my payment. On XXXX XXXX I received an alert from Chase that my payment had not been received and I was assessed a {$25.00} late fee. I immediately called and spoke to a rep who told me there was an issue with the system and to give it some time and the payment should process and the late fee should be reversed. Eventually within a day or so the payment was acknowledged and the fee was reversed. However, at or around the XXXX or XXXX an additional payment of {$51.00} was deducted from my checking account. There was not enough money to cover this second deduction and my bank charged me a {$35.00} overdraft fee. I am 100 % certain that I did not log in and make that additional payment, but they are insisting that I did and are refusing to cover the overdraft fee. Like I stated earlier, the first thing I did after receiving the initial warning that my payment had not been received was call them and I was told that they were experiencing issues and I was assured the payment would eventually clear. I would never risk making an additional payment of {$51.00} before contacting the bank because the money was simply not in there and I know these glitches can happen. Furthermore I explained to them that even if I did personally make that second payment I would have been justified considering I received a warning stating my payment had n't been received along with the late fee. Either explanation is n't getting me anywhere and I 've spent close to an hour on the phone with reps. I 've been told twice that the issue would require the assistance of a supervisor of sorts and that it could take up to 3-7 days to be contacted by one. At one point my checking account was negative {$75.00} with other bills upcoming. Luckily I had a family member who was willing to help me out being that I am currently unemployed. I feel it is extremely coincidental that the one time that Chase happens to be having payment issues I somehow mistakenly make a double payment. It is much more likely that the error ties into whatever issues they were having and the payment was registered twice. I am extremely insulted because I am being called a liar and being told I did something I know I did not do which was log in and make a second payment. Finally, I have lost confidence and trust with Chase because I feel that they are unwilling to acknowledge an error was made on their end.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (MN)

My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.
Consumer complaint received 2016-01-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc. (CA)

I have no clue why I owe money to this medical company and debt collector. If i do, I have no clue how to pay it off because I do n't know where it came from. If you could help me dispute this or at least help me find a way to pay it off so I can finally get it off my credit report.
Consumer complaint received 2016-01-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Recovery Group, Inc. (OR)

We agreed on a monthly payment plan of {$400.00} a month for my outstanding medical bills from a hospital visit. After three monthly payments that were all made as agreed and on time I was able to get payment from my health insurance company and paid off over {$4900.00} in one month. They then attempted to collect the remaining {$260.00} the next month and said that I was late paying. I said does n't the {$4900.00} payment mean I 'm months ahead of schedule and she was rude and said it does n't work like that. This is not the original agreement at all, I 've paid well over {$400.00} a month and am close to paying off the entire amount a year early! I do not like being threatened to go to court or have my wages docked after making a payment of almost {$5000.00}! These people should be struck off. To add insult to injury NONE of this was my fault but the fault of my health insurer messing up with the billing. They gladly admitted this and cut a cheque as soon as it was pointed out.