davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Sessoms & Rogers, P.A. (NC)

judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (TX)

I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TN)

I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (PA)

Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.
Consumer complaint received 2016-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.
Consumer complaint received 2015-09-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: First Data Corporation (DE)

I wrote check # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/15. XXXXDue to a subtraction error it bounced. Subsequently I wentinto the the store and spoke with an assistant manager whowas supposed to tell the store manager that I was going to come in toward the end of the month and pay the check. 
I also wrote to XXXX XXXX, President of the store andcomplained of their tactics. 
Since then they have referred the check to Telecheck andTelecheck 's internal collection agency for collection. Theyhave also presented the check for payment FIVE TIMES ( XXXX, XXXX, XXXX, XXXX, and XXXX/XXXX/15 )!!! 
My bank paid the check on the final submission on XXXX/XXXX/15.
Consumer complaint received 2016-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Vermont Student Assistance Corporation (WA)

For the last 3 weeks, I have contacted VSAC to inform them of a drastic, unexpected change in my personal and economic situation that prevents me from making the same level of payments on my student loans. Each time I contacted them, one person after another failed to help and made inconsistent statements about solutions. The latest email said I am eligible for at least 31 months of payment suspensions but they would not process this request even after I provided explicit documentation that my expenses nearly match my income at the moment and nothing will change in 6 months. I requested the maximum time of forbearance and VSAC has still not processed the request. Instead, they have wasted my time by making me call them instead of engaging in an efficient and effective written dialogue by email. This means that instead of actually solving the problem, they waste my time on a Friday ( a working day ) to have to call them and STILL they do not solve the problem or process the request in a timely manner! On XXXX XXXX, I called them and it took nearly 15-20 minutes before someone answered the phone and even then, they filled out a request that had the WRONG period of forbearance from what was requested and discussed on the phone and the written request I made so many times with supporting evidence. It is beyond frustrating that on top of my own personal and economic hardship issues, I have to deal with VSAC and the level of inefficiency and incompetence in their practices in dealing with me as a borrower. I have consistently made payments over and above what was required and all I need is some help for a longer period of time till I can improve my financial situation and get to a point where I am able to make the SL payments and still survive! I can not do that if VSAC and other agencies such as ACS-Education refuse to work with me reasonably and instead make it more difficult for me and then this impacts negatively on my credit and my ability to improve conditions. I need your help to solve this issue urgently and quickly for a long term solution. I need the maximum forbearance that I am entitled to and eligible to the extent of at least 31-36 months without impacting my credit so taht I can try recover from the drastic change in my economic and personal circumstances. Six months is NOT enought and I need your help to convey that and get a more balanced, reasonable solution to my student loan debt burden. Thank you.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: RAB PERFORMANCE RECOVERIES, LLC (MI)

A credit I obtained during college over 12 yrs ago was n't paid off. I have no idea what the actual balance is since I have n't rcvd any docs to support. I rcvd a notice of garnishment a wk ago, and the garnishment began today. The dates on the docs are from 2011 and at an address I have n't lived at for over 5 yrs. It was signed by someone I do not know and the person was n't at my home. I think it could 've been a groundskeeper at that apt complex. The court told me a notice was also taped to the door according to RAB Performance. Again, I had no notification of any court dates. I have since been told there is n't anything I can do at this point since I did n't attend the court date. I was also told I could n't appeal the decision since it 's beyond a certain number of days, but had I been properly notified, I would 've been able to attend court and/or appeal the decision.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (FL)

I keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. 

I had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution.
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (PA)

I am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me.
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (MD)

Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.
Consumer complaint received 2017-02-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

I took out a loan for {$3000.00} with Rise Credit ... they told me my payments would be {$270.00} per month. Then they started taking {$270.00} out of my checking acct. every two weeks! I have tried to contact them about this-no answer ... now they all ready charged off my account and I guess it will go to collection? they told me I would have to pay back over {$9000.00} by the end of thils loan ... they need to be investigated as there are a lot of compaints by consumers online about this shady company. please help!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

GULF COAST COLLECTIO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX. 
Dear XXXX : 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 notify GULF COAST COLLECTIO or any company associate with this account # 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 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 : GULF COAST COLLECT 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 XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2016-04-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

This number is my work phone. I verbally expressed not to contact me at work. Phone calls to my work took place today at XXXX XXXX, also on XXXX XXXX at XXXX, and on XXXX XXXX at XXXX, and on the previous Friday XXXX XXXX at XXXX. I am currently the only working individual in my family. I 'm under enough pressure to supply an income without repeated calls at my workplace where I ca n't discuss personal matters without jeopardizing my job.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Outsourcing, Inc. (VA)

I keep getting voice mail messages from Receivables Outsourcing LLC for a XXXX XXXX. Every time I open my phone I have another voice message. I have called the company twice and told them there is no XXXX XXXX at this number any more. I have had the phone number for approximately 4 years. I told the company to stop making calls to my number. I am still getting voice messages from them.
Consumer complaint received 2016-04-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (MI)

I was trying to find a installment loan and that is what they said that they were when talking with them on phone not a payday loan. they said XXXX was the payment amount and that is what I thought was the monthly payment for 6 months. I agreed over the phone and then I questioned after they had taken XXXX from my checking account and that is when they send me their agreement that was for over a year and it showed I still owed almost the whole amount. I sent them an email which I will attach telling them to stop taking out of my account that the loan had been paid plus interest and if they did not send me notification that they closed my account I was revoking authority for them to take money from my account. I have not heard anything from them since last week and do n't know if they will still take money from my account on Friday the XXXX or not so I am filing a complaint. They are not licensed in Michigan and they say they do n't have to be which is not correct.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I am a single parent and have filed a request for modification of my mortgage with the mortgage company, OCWEN Loan Servicing. Their call centers and their staff seem to be in XXXX and for the past 4 months they have stalled the processing of my modification, and keep reporting my loan as delinquent. I have tried to work with them and have provided every bit of information they 've asked for and yet their paper-pushing games seem to have no end. On the other hand, they keep flooding me with notices of foreclosure and threats of taking my home which have caused me great XXXX and XXXX. I am a single parent and can not lose my home, but this mortgage company that has had countless complaints and lawsuits against it does not seem to be concerned. I have asked to speak to their representatives in the United States ( as I was told it is my right to do so ) but they refuse to accommodate.
Consumer complaint received 2023-08-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2700.00}
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Navient is the lender for several of my loans. My original loans were never properly credited. I was always told about deferment or forebearance when I was employed in XXXX working for the XXXX in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I would have been beyond eligible programs for repayments of {$0.00} because my salary was {$XXXX} hr for family of XXXX. When I finally got introduced tip repayment program and how it would work for me I got a {$0.00} payment but reapply every yr was a process. Either my forms werent received so ended up with missed payments. Offered deferment until I sent them in again. Once I was denied for missing spouse information, when Ive never been married. Once denied for only sending 4 weeks income verification. Never understanding those deferments changed my status with company but no correction to credit agencies. This still hinders a person from employment opportunies. I wanted a lot from obtaining my degrees, sadly the market still only affords me a salary under $ XXXX a year. Once I was laid off and used 401k money so it made my payments go up but because I received numerous communications it can be confusing to a genius. The combination of compounding interest, complex communications and settling for deferments is a recipe for never ending debt. Customer service reps seem to ask u about deferment as those its not a solicitation but of course every one will accept it because they cant jeopardize a bad repayment history. I failed to mention I worked on XXXX for 3 years. When I was laid off for 5 months in XX/XX/XXXX I refused to call the lender for fear by credit for my {$0.00} repayment would result to me being put back on forbearance which doesnt help me with payment credit to satisfy the loan just make it were I dont have a payment.
Consumer complaint received 2015-06-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have been out of work since last year. I fell behind on everything. In XXXX I made XXXX partially payments on my mortgage to Ocwen Loan Servicing paying the largest part of the mortgage for XXXX, XXXX and XXXX. That was all the money I had. I started working again XXXX months ago. The XXXX thing I did was pay the balance of those XXXX months including late fees. I wrote XXXX checks and explained exactly what the checks were for in the memo. Ocwen cashed the XXXX and XXXX checks and returned the XXXX. I get paid weekly and out of each pay check I send a partially mortgage payment. I sent a partially payment for XXXX and from the next weeks pay I sent the balance. I did the same for XXXX. I have just sent payment for XXXX. Ocwen has returned the payments and sent me a delinquent notices stating that I owe from XXXX through XXXX. I keep sending the payments back and they returned them again. If they would keep the payments I would be caught up through XXXX with XXXX next as we are still in XXXX. I do n't know what else to do but keep sending the payments. I can only pay the arrears this way. Once it 's caught up I can pay on time. I am alone, I am a XXXX year old woman and I have no other income and nowhere to go. I need help with this. I do n't understand why thy wo n't accept the payments. I 'm still getting collection calls and the state they want to help with the mortgage. Sending the payments back is not helping. they have also sent my name to XXXX who call and email me with loan offers on a regular basis. I just want to get my bill paid and get back on track.