davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (VA)

Financial Management Solutions ( FMS Financial Solutions ) continues to be negligent in removing incorrect information about a false debt that it claimed was owed. While litigation was pending, it originally posted a false report about debt owed on my credit report, at the request of its client, XXXX XXXX XXXX. Moreover, it continues to be in violation of federal statute by posting false, and inaccurate data on my credit report. The posted this incorrect information through its employee, XXXX XXXX. 

FMS Financial Solutions posted this inaccurate information to my wife 's and my credit report, while a litigation was still pending. Since we last submitted our report to CFPB, FMS Financial Solutions has finally removed the false debt amount owed, after months of disputing their erroneous information. However, despite noting that no debt is owed, FMS Financial Solutions has failed to remove the dates that it claimed this false debt amount was owed and make the correction to no late payments. Currently on my credit report, it still lists that I had late payments from the months of XXXX XXXX to XXXX XXXX. This information is inaccurate, and therefore a violation of the Fair Debt Collections Act. 

As the evidence shows, after litigation with FMS Financial Solution 's client, XXXX XXXX XXXX, their client 's original claim of debt amount owed was rejected by the court, and we paid the court judgment of a different and lesser amount immediately, on the same date of judgment in XXXX XXXX. FMS Financial Solutions was negligent in correcting this information and has since reported incorrect information on our credit reports ( my wife 's and mine ). FMS Financial Solutions was wrong to post any alleged debt in the first place, while litigation was pending. 

FMS Financial Solutions is still in violation of the Fair Debt Collections Act in claiming false information on my credit report about alleged late payments ( between XXXX XXXX and XXXX XXXX ) on a false amount that was never owed, as the XXXX, XXXX XXXX XXXX XXXX was the only XXXX with authority to determine the actual amount. I repeat, FMS Financial Solutions is still currently in violation of federal law in posting inaccurate information to my credit report. 

We are still preparing our legal case against FMS Financial Solutions ( for any and all continuing damages resulting from its negligence ), and requesting CFPB take necessary action to have FMS Financial Solutions false report about late payments between XXXX XXXX and XXXX XXXX removed from my credit report.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equidata, Inc. (PA)

I had recieved medical care and my insurance covered 100 %. Medical center radiology at XXXX hospital claim I owe them {$38.00}. They will not tell me what for and have malaciously put the false information on my credit report dropping it from XXXX to XXXX. I called the collection company EQUIDATA, and they wont give me an answer and claim i must pay it. Nothing in a hospital costs only {$38.00} and they cant explain where this charge came from. I think they do this to everyone to scam money. I called my health insurance and they said the entire claim had been paid and there were no additional charges submitted and are sending me an itemized statement. They are committing a crime and its affecting my credit reputation. It needs to be removed asap or im seeking legal action.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Performant Financial Corporation (CO)

A woman named XXXX from Performant Recovery ( XXXX XXXX XXXX XXXX, OR XXXX ) is calling my XXXX mom to get information on me. I have already informed them that I will take care of the debt once I can. They told her that I gave them permission to call her. I have never put my mom 's contact info on any of my doctor 's forms or student loans. They keep calling her repeatedly.
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Rory W. Clark, APLC (CA)

XXXX XXXX XXXX, has placed a lien on my home through their attorney in California Rory W. Clark, I never received a notice informing of a court appearance or lawsuit. My original debt amount is for {$3000.00} they are asking for {$10000.00}. I have called them to XXXX XXXX XXXX and the Law Offices of Rory W. Clark to negotiate to resolve this debt they refuse. XXXX will only deal with me through their attorney. The representative I spoke with at the law office of Rory W. Clark is XXXX XXXX. I am a XXXX XXXX year old woman living on a fixed income. I feel that XXXX XXXX is using the law to intimidate to pay a debt, that is well above the amount of money I actually owe. How is this legal there should be a law against this.
Consumer complaint received 2016-05-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (FL)

I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.
Consumer complaint received 2016-01-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson and Kennard (WA)

An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.
Consumer complaint received 2015-09-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL) (FL)

Debtor : united collection servic, agency : experian. 
Acct # : XXXX commerce XXXX XXXX XXXX , XXXX. 
XXXX ( XXXX ) XXXX '' Address I.D . # '' :XXXX1 ) the " debtors name '' is abv. & MIS-spelled. 
( Servic. Instead of service ) 2 ) my " Legal name '' IS : XXXX XXXX XXXX. NOT, : XXXX " XXXX '' XXXX. 
3 ) Please advise above debtor to submit a bill for ALL " unpaid medical bills '' to my insurer, XXXX for payment in FULL. 
Thankx.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (MI)

I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid
Consumer complaint received 2016-09-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC (CO)

I am getting several debt collection bills to which I know nothing about. I have stated so on credit karma and disputed to accounts and now I 'm getting more in the mail. Are companies like CSC allowed to harass me like this about something I know nothing about. Am I responsible for giving even the slightest information about me when I know nothing of the bills to which they are referring. How could I even tell if someone stole my id for the bills when they show XXXX information about the bills. Should I make up bills of my own and charge them with them like they are doing to me?
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (CO)

traded in a leased vehicle during final months of lease term for an XXXX leased vehicle in XXXX, XXXX. All final lease payments and terms were paid to US Bank per their payoff demands in the transaction. I just received a property tax bill for the entire year of XXXX from US Bank ( on XXXX/XXXX/XXXX, more than 4 months after completing final payoff per US Bank demands ). Called US Bank to dispute, was told that I can do what I want in regards to the bill, they will submit report for non-payment to credit reporting agencies if I choose not to pay. Not willing to remove charge for property they have already received final payment on ( 4 months prior ).
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I received authorization, agreement and approval for a Dept of Justice National Attorney General Settlement loan modification from XXXX XXXX XXXX including terms, interest rate and specific amount of principal reduction of {$70000.00}. See Attachment A. My loan was sold to BSI Financial Services who as my new servicer is obligated, instructed and Mandated by the Dept of Justice Consent Decree to honor the terms for permanent modification from XXXX XXXX XXXX. See Attachment XXXX pages XXXX XXXX. 
Upon agreement and confirmation by BSI that I successfully complied with and completed the trial period BSI sent permanent modification documents with terms that differ from and DO NOT adhere to the XXXX XXXX XXXX Terms as mandated by D.O.J specifically as indicated in Attachment A the principal amount reduction should be {$70000.00}. This Principal reduction promised under terms proposed, offered, accepted and agreed to from XXXX XXXX XXXX would result in an amount payable under the new BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. However the principal reduction/foregiveness provided in the BSI is only {$64000.00} ( LESS than committed by XXXX XXXX XXXX terms ( terms which BSI is mandated by the Consent Judgement to honor ) - this results in a HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. See Attachment labeled OLD noting points B and C. Upon me pointing out that they were out of mandated compliance to " honor permanent loan modification agreements entered into by the prior servicer, '' and providing for a XXXX time the XXXX XXXX XXXX XXXX ( Attachment A ) BSI remitted revised documents which make no correction, provide no remedy and still do not honor the committed terms of XXXX XXXX XXXX. In fact the new/revised loan modification document sent as a result of me raising this concern, here labeled as NEW, appears deceptive, lacks transparency and includes only a disingenuous edit of simply eliminating the wording related to the principal reduction/foregiveness as attempt to not address the matter and to intentionally edit out/eliminate reference to principal reduction/foregiveness in order to knowingly ignore the XXXX XXXX XXXX terms and commitment and to hide/camouflage not honoring the XXXX XXXX XXXX terms as mandated by the DOJ Consent Judgement. Please note the HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00} remains unchanged from the OLD to the NEW/revised BSI loan modification agreement and thus indicates the principal reduction/foregiveness is unchanged from the OLD to the NEW/revised BSI modification agreement and by conclusion they have not honored the XXXX XXXX XXXX terms committing to {$70000.00} principal reduction/foregiveness which results in a lower BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, XXXX letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my XXXX  and Drivers License.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CT)

I have been trying with no success for an explanation or an investigation into a debt on a credit card I have with Elan Financial which I havenever used .This came to my notice when I applied for a mortgagetwo months ago.I requested a statement from Elan which they sent, onthe statement there are XXXX transactions with sidetick ( phone number ) XXXX, I am 100 % sure I never used my credit card for anypurchase since I got it, I have been calling ELAN financial since thentrying to get them to investigate the matter so it is taken off my credit, theyhave not been professional about it, some of the customer service people have been very rude, some do not know what to do and just transfer meto other departments, I can be on the phone for about an hour and betransferred to about XXXX different times to different departments, I speak to someone in fraud, who will then transfer me some where elselike collection, collection will also transfer me back, I get so fraustrated, they dont even update my information when i tell them, it is obvious noneof the customer service people care..I have tried onserveral ocations with no luck.I have even spoken to some supervisorswho will say they are starting a case for me, and that someone from fraudwill get back to me, but I later find out nothinghad been done because when I call the next time, they tell me the same thing.This has been going on for about two monthsd. 
Yersterday after trying for a long while, I got some one who once againtold me she was opening a case for me, but annoyed me by saying thecase may not be pursued because it is over a year the last transactionwas made.I tell her that is wrong because I never used the card, the transaction on the card was not made by me and I am sure they can find out if they wanted. 
I now feel like I am being robbed by Elan Finanacial.
Consumer complaint received 2016-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (MD)

After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MN)

I applied online for a Chase credit card on XXXX XXXX 's site because it was advertising low APR interest rates & 0 % for 15 months on transferred balances for individuals with good credit ( my Credit score is XXXX ). Within a few days I received letter informing me I was approved, however not all the account balances I requested transferred were granted because of the line of credit the CC Bank provided was n't high enough to cover the total amount so only XXXX of the XXXX accounts was totally transferred, leaving the second only partially transferred. If I was informed that my request could n't be granted I would have cancelled the application but they did n't offer this option. However In their letter, they stated I could request a high credit limit if I wanted the remaining balance transfer but they would need to pull another hard credit report request ( less then two weeks from their previous request ). I refused. Next the new credit card came attached to a typical form letter instructing how to activate the account and the disclosure statement describing how they used my credit score to determine both my ( risk ) Interest rate and line of credit amount. This where they posted my credit score they claimed I had with XXXX was XXXX contrary to what I have ( XXXX ) from XXXX seen through my account during the same period of time and company.. I contacted them requesting documentation proofing their claim of my credit score being XXXX. After four hours of being passed to XXXX different departments and talked to XXXX different people all claimed I needed to contact XXXX to straighten out this issue. I told them it was extremely unlikely that XXXX would be able to fix Chase 's errors. They as so refused to send me a copy of my credit report they claimed to have with XXXX on it. My opinion of the credit application process banks are perpetrating on consumers is predatory in nature do to the secrecy and concealment of the claimed facts by which they are manipulating the rules to favor higher rates and ensnares consumers into an agreement without knowing what the terms and conditions are until after they have made them and invoked the agreement before it could be reviewed. This leaves consumers without a fair remedy to cancel or refuse the approved application without further investment in ; time, costs, and costs to their credit score. We consumer need to have the right to refuse an offering if it does n't meet our needs before the agreement engagement, not after. This act, in itself, is a tactical form of predatory lending by the banks, is it not? 
Thank you
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (NY)

Received a notice from XXXX XXXX XXXX that I owe {$300.00} to Paypal. 

I try to login to my account to review. I am locked out of my account. I call company. Company informs me I am locked out of my account. I ask repeatedly for the company to provide either an email or a letter showing what I owe and when. 

The company refuses and tells me I will get a letter from collections. I ask why are they writing off my debt to a third party? Paypal informs me this is from Paypal 's collection department. I find this incredulous because the collections letter is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and not Paypal XXXX. 

Paypal can not send an email or letter showing what I owe. Further, what I find strange is that I paid outstanding balances in 2021. However, I can not dispute because I do not have access and the company will not provide proper notice. They did not notify me that they will be closing my account and sending it to collections and without my ability to properly review the account. 

How can I do business with a company with such business practices? Not being able to review the account in writing or electronically? This is not ethical. 

Please help, XXXX XXXX
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I called AES several times over the course of three weeks this month explaining to them that I want to apply a specific amount of money ( over what my minimum monthly required amount ) to principal on my second loan and second loan only. I have a consolidated loan ( sub and unsub ). I found a letter online with specific language about applying any money over the required minimum. I faxed the letter per their request and was told the next Time I called they would be ready to process my extra payment towards loan sequence XXXX only. I called a few days later and was told my letter was not specific enough. I added verbiage which instructed them that the overage was to pay down/pay off the loan and not to put it in pay ahead status. I called back a few days later and confirmed they had the letter on file and asked if I could now make my extra payment. The customer serve guy confirmed it and said it would go to loan sequence XXXX only. 
Surprise, it did n't : It was split between loan XXXX and XXXX I called yet again and was told I had to have a letter on file ( which I did ) and it needed to contain very specific language ( which it did ) but overage payments can only be sent in by check and must have a copy of that letter ( which they confirmed was sitting in my file ) every single time I made an overage payment. The supervisor said she 'd request the over payment be reapplied as it should have been and surprise it 's still split over big accounts. I ca n't make it any clearer on the phone or in written correspondence that they are not able to decide where my extra money goes. That is my decision. What options do I have in this matter. I plan to be aggressive with my payments over the next 12-16 months in order to lay the loans in full but not if they are taking my money and putting it where it benefits them. Please provide me with options in dealing with this incompetence.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (AZ)

Equifax has been billing and collecting from me for the past 7 months without my approval. I submitted a cancellation request by phone and by response to an e mail XX/XX/2016. I just found out after closer review of my credit card activity that Equifax has been automatically charging monies on my credit card. 

I went on line to cancel and the national web site has no information or availability to cancel there unauthorized collection of funds from me. 
I called today and was told by customer rep that I could not cancel my membership on the web site because they do not allow that and admitted they do not have any information on how to cancel. I asked for my monies back and he refused.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK (FL)

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.