davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (FL)

AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : 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 AMERICOLLECT INC 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 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 : AMERICOLLECT INC 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-10-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

Sheffield Financial is reporting incorrect dates on my credit report thereby extending the 7 year reporting period. On my XXXX report ( enclosed as attachment ) they are reporting the date of delinquency as XX/XX/XXXX. On my XXXX report ( enclosed as attachment ) " No Data '' for XXXX, XXXX, and XX/XX/XXXX was reported. This account went 30 days past due in XX/XX/XXXX. I made a few partial payments after XXXX but the account continued to remain in arrears. In XX/XX/XXXX, I consulted an attorney if reference to this account ( attachment enclosed ) at which time the account was more than six months delinquent. I request Sheffield Financial substantiate payments received during all periods they are reporting during XX/XX/XXXX. If they are unable to do so, since the account became 30 days past due more than seven years ago, they need to delete any and all negative information reported to all credit agencies associated with this account.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp. (TX)

I do not have a loan with United Auto Credit, however, Employee of United Auto Credit utilized company systems to skip trace and gather private/sensitive information on me and family member for personal harassment. UAC did not notify me that my information had been searched, once they completed their investigation, I was not notified of what information had been accessed.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the collection agency refuses to validate this debt. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Account : XXXX XXXX # XXXX {$2000.00} Thank you for reviewing this and getting these items off my report immediately. 

XXXX XXXX XX/XX/XXXX SSN : XXXX
Consumer complaint received 2016-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation (CO)

4 times over the last 5 days an automated voice message has been left from Advantage Debt Collections stating that they are trying to collect a debt but will not state who owes money. They want you to call them. I do not owe anyone any money, so I left 2 different voicemails regarding my phone number and that I did not have any debt and to please stop calling and leaving messages. I have the phone numbers ( XXXX and XXXX ) that they use on 'ignore ', but am annoyed that they keep leaving the same automated voice message.
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Choice Recovery, Inc. (FL)

I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (CA)

After repeated attempts to collect a false debt by phone, I was sent a collection letter dated XXXX XXXX, 2016. The letter was addressed to XXXX XXXX. There is no such person at our home address. The debt is for a cable bill incurred with XXXX XXXX XXXX. There has never been a XXXX XXXX account at our address. The cable provider for this address is XXXX XXXX XXXX. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connection with the cable company.
Consumer complaint received 2016-06-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc. (FL)

This letter is to file a complaint with the Consumer Financial Protection Bureau on a strong violation of the Fair Debt Collection Practices Act. The posted collection letter I received pertains to a foreclosure that happened nearly ten ( 10 ) years ago. The foreclosure action based upon Florida statutes in essence wiped out the second position. The original creditor, XXXX XXXX XXXX, XXXX may have had a position to file a summary judgment action against me personally, but the chances of that motion being successful were highly improbable. Therefore, this entity known as XXXX XXXX XXXX, XXXX had only one process to obtain financial consideration, that method being an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria is as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, assuming that the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
ClearSpring Loan Services does not own the debt originally procured with XXXX XXXX XXXX, XXXX. This is a fact that can not be denied. This agency never took ownership of any debt, and is operating as a debt collector for a third party, thus the Fair Debt Collection Practices Act comes into plat. Secondly, the debt information was received through a debt pool arrangement, and the fact that ClearSpring has in its possession my personal information such as my social security number is truly an identity theft matter that should be looked into more deeply by the Federal Trade Commission/Consumer Financial Protection Bureau, as well as the Office of Attorney General, state of Florida. 
I demand an immediate purge of my personal information, a statement to that effect sent directly to me and the Consumer Financial Protection Bureau, and a letter of apology that I will hear from this collection agency no further.
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Recovery Services, Inc. (AZ)

I sent a letter to Account Recovery Services disputing an account. I had medical insurance that was NOT billed for the charges. In the dispute letter, I asked for validation of the debt by identifying the original creditor as well as an agreement with my signature binding me to a contract. What I recived in return was a list of charges from a service provider.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AZ)

A rental property manager and collection company for a landlord made collection attempts. A debt verification demand was sent and the collection company listed repairs done on property. A specific demand for receipts and invoices were repeatedly demanded and the collection company has failed to respond. Almost two years have passed and the derogatory credit reporting concerning this matter still remains on consumers credit reports.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Clearview Resolution Services (MI)

I received several message from XXXX at Clearview Resolution Services asking me to call him back by a certain time regarding case XXXX. I called left a message for him, telling him I am not the named person for whom he was calling ( asking for a XXXX, I am not a XXXX ) and he never called back. Today, I received a message from XXXX from XXXX threatening to serve me at a specific address or the place of work. He continued telling me that I needed to " sign '' for the paperwork or legal action will be taken. I have no clue what they are talking about nor do I care.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Ever since Navient took over my loan and the Obama administration offered new loan repayment options, I have been to trying to qualify for the various early loan repayment programs. Navient consistently gave me numbers and amounts that far exceeded what I could pay in relationship to my take-home pay. So I continued to pay the 30-year repayment terms. I am a teacher and tried to qualify for the public servant repayment option, but the numbers just never worked out when I contacted Navient. With all the recent news about Navient possibly mishandling borrower 's accounts, I am now wondering if I ever got a proper repayment quote.
Consumer complaint received 2016-11-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC. (FL)

ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner
Consumer complaint received 2016-03-16
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (KY)

The mortgage holder XXXX XXXX was due a tax refund in the form of a lower property tax bill, to the amount of XXXX. This was supposed to be refunded to her and the local sheriffs office showed us a canceled check. The check had been cashed by the company that takes care of our escrow account for Loancare.To this day they have not refunded her. Loancare has also paid our property taxes 6 months after it was due, causing the tax bill to jump from {$1500.00} to {$1800.00} because of late charges. We called them on several occasions to remind them of when the property taxes were due. They assured us the property taxes were going to be paid on time. They were NOT paid on time. It was printed in our local newspaper ( publicly humiliating us ) that we had a delinquent tax bill of {$1800.00}. Loancare paid them late and added the extra XXXX in extra late fees onto our house payment stating that our escrow was short. It was short because for the last few years they have not paid the tax bill when it was supposed to be paid. As of this email Loancare refuses to let us talk to anybody in management, They keep saying a supervisor will call and talk to us. This has never happened. My mother and I, co-mortgage holders, would like some help getting this straightened around. Loancare continues their silent treatment. XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

At the beginning of the year, I asked DiTech if they did biweekly withdrawals from my checking account to pay my mortgage biweekly. They said yes and I approved them to start withdrawing {$600.00} every 2 weeks. That worked for 1 month until the first problem happened. They changed the dollar amount on the withdrawal themselves to {$590.00}. that went on for 2 months. Then the next problem was that they changed my account number without notifying me. I was told by them that they upgraded heir system and everyone 's account # changed without notifying any of there customers. 
This is where the real problems started in XX/XX/XXXX. I started getting phone calls saying I I was late on my payment and that I needed to get caught up. This was not possible since they were the ones taking my payment out of my account. After multiple phone calls and talking to supervisors we finally discovered the problem. They had somehow partially applied my payment to principle and left the other part in suspension which now was not enough to make a full payment. ( I do n't understand this either ). I was told that there new system did this to many people. Now it is XX/XX/XXXX and they still do n't have the problem fixed. I stopped the Biweekly program XX/XX/XXXX because they can not be trusted to handle it correctly and I have been making full payments for XX/XX/XXXX and XX/XX/XXXX. Now here is the real problem. 
Not only have they not fixed the problem, but I get harassing phone calls 3 times a week from a different person every time. I was told by XXXX different supervisors that my name and phone # would be removed from the call list until they fixed the problem. 
That turned out to be a lie. Now they are calling my work phone and still harassing me over a payment that they have. I am not behind on my payments. I have had this house for 14 years and always paid early and extra. DiTech took over XX/XX/XXXX and it has been a nightmare ever since.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

In XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. In XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle and in XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had a car accident and I was in XXXX and my daughter also had a baby.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OK)

I was trying to obtain a free credit report, I got as far as receiving the report on the screen. I was not able to print or save. The website froze. I have a report # but I can not find an outlet to ask for a reprint ; there are no numbers or emails to even send such a request for a website/technical error. Every link clicks to an address ( different state or city ) with a request for money. I have reached out via twitter to ask for a resolution - no response. Every year I go through this with ONLY Experian. I feel they are withholding my credit report, and trying to extort money in any kind of way from consumers. I have not been able to secure any new lines of credit, and I think they may be the hold up. I do not have bad reports from other bureaus. I do not understand what the problem is, as my request is only once a year. 
I simply want a free credit report as promised, and I do not want to pay for it as promised.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BBVA FINANCIAL CORPORATION (CO)

XX/XX/XXXX, I attempted to use my credit card and was denied. I called up Compass Bank and was told there was a hold on the card as there was fraudulent activity on it. Since then, over 3 months later, the charges and accruing interest have not been removed despite phone calls and repeated visits to the bank. 
The excuse used is that I have to dispute the charges, despite Compass knowing they are fraudulent as they told me about the dubious charges in the first place. I have requested numerous times a hard copy of their dispute form and so has my banker, all to no avail. 
What is particularly galling in all this is that Compass Bank is well aware that these charges are fraudulent and yet refuse to remove them from my credit card. 
Only one banker has bothered attempting to help me, the rest of Compass Bank customer service has been abysmal bordering on contemptuous.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

XXXX XXXX XXXX XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to Frederick J Hanna & Associates, PC in the amount of {$780.00}. I sent a letter to XXXX XXXX stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from Frederick J Hanna. I feel they are pulling information from XXXX County online court system and trying to fraudulently trying to collect money from me.