davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (GA)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

7 times since XX/XX/XXXX we have been told by Navient that we either had past due amounts or additional fees due. Each time we call Navient to settle these issues we reach the XXXX where they barely speak English and have little idea what the left hand in XXXX, PA is doing. What we do know is that in XXXX XXXX, PA they intentionally mis-apply the money we send to them so they can tack on late fees and past due amounts. Then we get a letter from Navient that states we have a past due amount of {$110.00}. Every time we call Navient they tell us somebody has mis applied the money we specifically ear mark for each account. We put the account numbers on the two checks we send in each month and then we send in a typed form with the account number, the amount of money still owed on that account, the interest rate being charged, the monthly amount to be paid, and finally the check number to subtract the monthly amount from. Yet 7 out of 12 months they harass us with past due amounts. We can never find out who the somebody is that is responsible for not being able to read what is sent them. It is simply a case of greed, fraud & trying to get more than they deserve. The CEO needs to take responsibility for a corrupt and evil company. The last I knew the CEO of XXXX made 4.6 million dollars a year doing the exact same thing as Navient and XXXX. Why so much money for ripping American 's off???
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MI)

I made an extra payment to pay off the balance of a loan within an account of XXXX separate loans. I was current with my monthly payments and was explicit that I wanted to payoff that specific loan within the account. Although the student loan company, My Great Lakes, applied the extra payment as another regular payment monthly payment that went towards interest and prinocipal of the XXXX different loans in the acccount. So now I the loan that I wanted to pay off In full still has a balance and is accruing interest. Also, the monthly payment that was scheduled for XX/XX/XXXX is currently still " processing '' and therefore accruing interest.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (TN)

I bought an A/C in XXXX through XXXX and I got a credit store financed with Wells Fargo under a Promotion for 18 months with a 0 % Apr, ended in XX/XX/XXXX. For that reason I was making enough additional payments to my account to pay the debt in time before XX/XX/XXXX .... Also, when a customer wants to make payments " on time '' take extra precaution so I did and set up the automatic payments to " pay on time '' meaning not missing any " due date ''. However, I made extra payments to reach the amount before the promotional interest has ended. But Wells Fargo was not taking the extra money I was putting into my account because I had the autopayment set up, and just the minimum amount of this system was accepted and no additional payments were accepted. Yes, I believed I was making additional payments for many months, but in the reality they were not processing those payments. So, at this point it looks to me that this a " tricky system '' Wells Fargo is using to overdue payments, and in my case they won a " deferred interest ''. This tool is doing the opposite because is not letting the customer make payments " on time '' the automatic payment is there to help customers, and it has to be an " useful tool '' and Wells Fargo ' s system is not doing that. How do they think a customer can reach their total balance on time if they do not let customers pay extra payments other that the minimum amount with this automatic system they have. 

My original debt was {$4900.00} in XXXX was a balance of around {$500.00}, they applied the deferred interest of more of {$1500.00}. When I called The first time to Wells Fargo I did not realize about this issue with their system, worry about this situation I was trying to move this debt into another account due the high interest they also applied 28 %. As always taking care of my finances. But it is when I realized " why '' the total debt was not paid " On time '' so the representative admited she could see I was making " those unsuccessful additional payments '' due to their system and admited it was their fault. So she reduced the debt saying that was all her system let her do, I ended paying around {$800.00} just for the " deferred interest '' Is it not fair.
Consumer complaint received 2015-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Esser, James & Associates (CA)

My boyfriend received a call from Esser James and Assoc. stating that they were trying to collect on a debt I owed them. He went into detail on when I last paid this supposed debt. My boyfriend got the info and called me right away. " XXXX XXXX @ XXXX ''. I called the number but XXXX XXXX was in a meeting. The guy that answered pulled up my account # XXXX. He explained how I needed to pay the debt owed and when I questioned who he was he stated " his clients would get paid regardless and I would be paying thousands in legal fees '' I stated I wanted something mailed to my address and told him I had never heard of this company and that I have my credit monitored and there is nothing on my account by this name.He laughed at me and said " lady either was you'r going to have to pay you either work with me or suffer the consequences. I told him I was n't going to be intimidated and he said if I felt I was being intimidated why do n't I hang up. So I did. This company is harassing friends and associates of mine claiming to know all these details about me and I need to know how to stop them. I did have bad debts but they 've since been paid and as I mentioned I do credit monitoring now as a result. Please advise how I can get them to stop calling me or at least prove they 're legitimate.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Innovative Collections, LLC (CA)

Dear Sir or Madam, I am a XXXX person. In XXXX while visiting XXXX, I was erroneously given a parking ticket for parking in a XXXX space. I immediately responded in XXXX while in XXXX to the ticket with correspondence that clearly identified XXXX and date of XXXX. The correspondence included enclosures : copies of my XXXX driver 's license, XXXX placard and XXXX vehicle records. I clearly requested that the ticket was clearly an error and should be cancelled and to contact me if additional information was required to contest the ticket. In XXXX, I moved to XXXX, but I did not receive a response until recently. As a result, I considered the matter closed. However, I received a letter from Innovative Collection Services on XXXX XXXX, XXXX, informing that I had a parking ticket that was in collections. In response, I wrote another letter with the same information as before that requested the claim be cancelled. They responded with a letter that the full fined was unable to be contested since the date exceeded the 14 day limit and that the debt would be reported to the credit bureaus if not paid in full by XXXX XXXX, XXXX. I am now formally requesting a complaint be filed against this debt collector for not recognizing my XXXX and cancelling the fine of {$460.00}. I have not contacted any lawyer and do not intend to pay this illegitimate bill. I would like any assistance or recommendations for resolving this dispute. The following information was included on the bill from Innovative Collection Service. 
Issuance Date:XX/XX/XXXX Account Number : XXXX XXXX Total Due : {$460.00} Thank you XXXX XXXX
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE (OH)

We are attempting to refinance our home. I retired recently so my income dropped substantially. But my wife and I both receive a pension from our previous employer. XXXX different companies have " approved '' our loan early in the process, and got us to shell out {$450.00} ( each time ) for appraisals and a rate lock fee. Then, much later in the process they tell us our incomes do not support the amount we are trying to borrow at that term and interest rate. It seems easy enough to make this determination right up front. It would save the consumer the {$450.00} and the grief of sharing all kinds of very personal financial information, including social security numbers, with the mortgage company.
Consumer complaint received 2017-03-11
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: James E. Albertelli, P.A., a Florida professional association (FL)

XX/XX/2017 Certified Mail : XXXX Debt Collectors : XXXX XXXX XXXX, UT XXXX ABERTELI LAW OFFICE XXXX, XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX, DC XXXX Re : Acct No. XXXX Acc # XXXX XXXX Acc # XXXX Abertelli Law Office Acc # XXXX File # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Office 's Demand letter on XX/XX/2017 and XXXX " Notice of Default '' XX/XX/2017 and XX/XX/2017. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Proof that the Statute of Limitations has not expired 6. Complete payment history on this account along with an accounting of all additional charges being assessed 7. Commission for debt collector if collection efforts are successful. 
8. Any insurance claims been made by any creditor regarding this account. 
9. Any Judgments obtained by any creditor regarding this account 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX Patient Legal agent XXXX XXXX, Fl XXXX XXXX Email : XXXX
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (CA)

I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx. 
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone. 
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in. 
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure. 
Please help me keep my home.
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Asset Services LLC (OH)

I submitted a complaint earlier today # XXXX and at first I thought this debt was from an old creditor ( XXXX credit card ) so I put that info on my 1st complaint but upon further research and thinking about what the last phone call I received and what she said the debt was for is not true. I thought it was from a credit card company but they are trying to say it is a payday loan which is not mine. Thinking that the debt was mine a while back I set up 3 payments in the amount of {$59.00} ( {$50.00} for payment and {$9.00} processing fee ) and now with the call I received today its clear that I do not owe the debt they are referring to so they got me for roughly {$180.00} on a debt that is not legit. In my original complaint I stated that I owe the debt but now I know that I DO NOT. They wo n't tell me who the original creditor is. They are very rude and mean and very unprofessional when it comes to collecting debt. I do not trust these people.
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CO)

Phoenix Financial Services, LLC continues to report XXXX that was paid by my insurance company as money that I still owe and they are reporting this as unpaid on my credit report. This bill was never my responsibility and was always covered under my health insurance plan. XXXX contacted this company in XX/XX/XXXX with me on the line and told them that this bill was paid and was the responsibility of XXXX. They said sorry for the error and they would remove this. It is now XX/XX/XXXX and it is still being reported on my credit report. I contacted all XXXX credit reporting agencies and disputed this error and it continues to remain on my credit report.
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (OK)

I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

After several years and XXXX offers from the same buyer, my lender finally responded to an offer and approved the short sale on my home. This was only after a complaint was submitted to the CFPB on my behalf by the Whitehouse as a result of a letter I had written to President Obama. Prior to closing the buyer requested an extension of the time to close. Her XXXX mother had recently spent time in the hospital and a XXXX. She was unable to travel and could not be left alone. The buyer is her sole caregiver and they live in Oregon. The request along with an explanation was faxed to the lender on XX/XX/2017. The closing was to take place on XX/XX/2017. On XX/XX/2017 I received a letter from the lender ( dated XX/XX/2017 ) stating that I am not eligible for a short sale at this time.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (TX)

NCC Business Services ( FL ) is trying to ruin my credit by stating I owe them {$550.00} for an apartment I never moved into. This debt has been reported on my report for 3 years now. I took a job in XXXX XXXX, Texas and went around looking for an apartment to live in. Found one I was interested in. Put down a deposit however, I never moved. I got transferred. Did n't get my deposit back which I already expected to happen. However, 3 years later I 'm looking at my report and there is collections on there from NCC. I contacted the apartments ( XXXX XXXX in XXXX XXXX, Texas ) and they have already changed owners. The manager told me she could n't settle the amount because I never lived there. She had nothing to tie the money to. She told me to contact the collection agency. I 've gone through XXXX to try to get it disputed. They told me the debt is valid. How can it be valid if I NEVER lived there. I 'm very confused and need help getting this resolved.