davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (CA)

ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 



1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}
Consumer complaint received 2015-09-13
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (TX)

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. In XXXX Discover received a payment on a credit card ending XXXX. They have not received any payments on this account since. They charged off the account in XXXX. They may have statements showing I was an authorized user on the account. When they charged off the account they started to report the delinquent account to my credit report. When I asked them to prove I guaranteed the account they show statements showing I was an authorized user. When I ask them to remove it from my credit report they claim it is reporting correctly even though they have yet to send me proof the account was guaranteed by me. I have been a Texas resident since XXXX. I can show my tax returns showing I have paid taxes as a Texas resident since XXXX. If they do have documentation showing I guaranteed it, which they have yet to send me, this account was still out of the Texas statue of limitations in XXXX. They still show a balance as being collectible against me on my XXXX and XXXX credit reports but put " consumer disputes '' and claim that makes it correct.
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NC)

I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

DITECH FINANCILAL LLC, XXXX XXXX XXXX. I USE TO PAY {$380.00} A MONTH AND NOW THEY RAISED IT TO {$670.00}. I ', M RETIRED, WIFE IN XXXX AND I HAD A XXXX XXXX 2010. IT IS PUTTING A BURDEN ON ME. HELP ME. IF I GET SICK OR LOSE MY PART TIME JOB, I WILL LOSE MY HOME. HELP ME.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Service, Inc (FL) (GA)

I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.
Consumer complaint received 2015-06-13
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NC)

Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. 
They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. 
I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. 
There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. 
Then it seems the description in the Discover monthly statement was wrong too. 
Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. 

So this document does not show that {$85.00} corresponds to R {$260.00}. 
The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). 
Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. 
I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (TX)

All verifiable info belongs to me ( name, address, phone # ) except for the SSN. I am a recent victim of ID Theft by someone using the SSN provided by the collection agency. The debts original date was 2002 from XXXX XXXX and has since been sold to various collections agencies.
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC (OH)

I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 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 CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (GA)

This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act
Consumer complaint received 2016-07-01
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency. 

XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times. 
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

I have had my mortgage with Wells Fargo Home Mortgage for years. I closed on a short sale today. I had tried for the past several years to save my home to no avail. My home preservation specialist was XXXX XXXX. And I use the term " home preservation specialist '' very loosely as he was never of any help. Very rarely responded to any of my inquiries. I asked many time to deal with someone else at WFHM and once again. my requests went unanswered. I have called XXXX XXXX every day since last Thursday, XXXX XXXX as I am requesting relocation funds as my home is closing in a short sale today. He HAS NOT responded. I am going to temporarily move in with my daughter but I should be eligible for relocation funds from WFHM. I think it 's disgraceful, immoral and illegal not to provide relocation funds so that I can move. I would like a response and an explanation as to how I will receive relocation funds. Thank you. My loan number is XXXX My name is XXXX XXXX XXXX XXXX Court Cinti Ohio XXXX
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (PA)

I filed an dispute with ERC on XX/XX/2016 and XX/XX/2016 and requested copy of original contract with my authentic signature that begun this alleged debt. I never received the contract that begun this alleged debt with my authentic signature from ERC. ERC are in violation of the FDCPA.
Consumer complaint received 2015-10-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (CA)

Case number : XXXX I submitted a prior complaint, case # above. central finance control ( tenet health ) agreed all items should delete, however they simply relisted a few days later. except now statute is also renewed. its clear on every attempt to talk with them that they have XXXX fear of fdcpa, YOU or any other law or agency. my understanding of current statute is I may recover {$1000.00} per tradeline. I 'm seriously considering this option. id like to give this one more shot first, XXXX XXXX XXXX.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC. (FL)

I have a non-tax, non-student loan debt through the U.S. State Department which was being collected by the U.S. Department of Treasury in which I had payment arrangements. Due to a change in their accounts receivable system in XXXX I became lost in their system. My payments went uncashed, I stopped receiving statements and when I called, they could no longer locate my information. Apparently sometime in XXXX they turned me over to a collection agency, Pioneer Credit Recovery and provided an incorrect address to that agency. I received no written communication what so ever. In XXXX of XXXX, this collection agency ; using US Department of Treasury letterhead and documents, obtained a wage garnishment. I was provided no written, or oral communication about the garnishment and provided no opportunity to appeal the garnishment. When I attempt to reach the the US Department of Treasury I am told they no longer service my account and that I must contact Pioneer Credit Recovery ; however, Pioneer used US Department of Treasury letterhead, with their emblem as if the garnishment came directly from the US Department of Treasury but the payments are being sent to Pioneer Credit Recovery. In addition, non-tax Federal debt maximum for garnishment is 15 % but they are collecting 25 %. The US Department of Treasury refuse to verify or confirm that they put the garnishment in place and keep referring me to Pioneer Credit who will not answer my emails or return my phone calls. I feel that Pioneer falsely represented the wage garnishment as coming directly from the US Department of Treasury to avoid obtaining a court order and falsely prepared and submitted documents as coming from the Government but rather came from their collection agency. In addition, another collection agency, XXXX XXXX is attempting to collect the same debt.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OK)

I worked at XXXX XXXX cable and received free cable while I was employed. When I resigned I cancelled service and moved ( XX/XX/XXXX ) yet XXXX XXXX kept billing me ( until XX/XX/XXXX ) at an old address. XXXX XXXX has now opened a debt of {$540.00} in my name with a XXXX aprty collection company XXXX ( Open date : XXXX XXXX ) which just showed up on my credit report. I have asked both XXXX and XXXX XXXX XXXX. I never recieved any notice of this debt until it showed on my credit report on XXXX XXXX. I have called each company numerous times and they will not return my phone calls.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc. (FL)

I wrote a letter to Montgomery Ward asking the company to provide me proof of my written signature. They in turn sent me a letter denying my request and deemed this as frivolous because I did not specifically ask for anything in my request. I clearly asked for written proof of my signature. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a letter in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a letter instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Latest Issue : defaulted on loan. To avoid Navient 's taking money from pay check signed up for 9 month payments {$50.00} on time. After only 6 months, I got forced into a consolidated income sensitive loan. I 'm unemployed. They want {$69.00} a month. I have not paid for 2 months so they want me to go into forbearance. I tried to make payment with Unemployment debit card. The ONLY form of payment they will take online is customers checking account. 
Not only did they breach a contract of 9 months but they bullied me into a consolidated loan I will never be able to repay in this lifetime. Further, they make it virtually impossible to make a payment online. I have never been asked by any billing for my checking account and not accept Debit card. The amount I owe is {$300000.00} from a loan that was {$50000.00} XXXX XXXX. The loan amount is too complicated to send via email.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CO)

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.