davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Associated Collectors, Inc. (WI)

The first collection account was as a result of the billing policy at XXXX. Each visit to a different practitioner was billed to a different account. One of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The second account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the Emergency Physician Bill, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I have been charge several overdraft fees for checks that the bank did n't list on the account on the same date however posted as it was. I was told by customer services representative that if by XXXX is not posted on the account that 's the latest it could show up. In the last month this situation have happen XXXX times incurring in {$35.00} charge per transaction.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

Does this sound like the response of an impartial credit agency after 7 yrs. of stonewalling! I recently applied for a credit card with my Bank XXXX XXXX. I was required to go into my Bank and along with a Banker have a three-way call with the credit card company. The Banker answered all the questions and so did I. I was still denied. I applied for a credit card with XXXX dept. store and was also denied because of Experian 's report. See the included Doc. From what I can gather, I am dealing with XXXX, XXXX, and XXXX ( International fraud gang released on the world by XXXX ). The true source of the fraud addressed in 2015 by XXXX State Attorney Generals and XXXX ( XXXX )
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

in 2007 I refinanced my house for 15 years with XXXX XXXX XXXX, my payment is {$2100.00} for principal and interest only, I have not escrowed since 2007, I pay my own insurance and my own taxes since then with no issues. I have received noticed of an escrow analysis that was performed on my account recently, I 'm pretty sure there is a mistake as this particular servicer has been making them ever since they took over a year or so ago, I do not engage with them as they never know or claim to not know what is going on. please help, as per my closing documents, I DO NOT ESCROW. thanking you in advance for your cooperation.
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Law Offices Howard Lee Schiff, P.C. (RI)

This problem began back in XXXX XXXX when XXXX XXXX XXXX was collecting for this defaulted/ charged-off XXXX XXXX Account with a balance of {$980.00}. XXXX XXXX XXXX after reviewing my personal income and assets, they determined I was " judgement-proof '' for the foreseeable future. Soon I received harassing calls and letters from the " Law Office of Howard Lee Shriff '' in XXXX, RI. I agreed to pay {$10.00} a month towards the balance as agreed to with their Attorney XXXX XXXX. I have struggle to pay approximately {$220.00} towards the debt but had to stop since my income is not over {$800.00}. a month with many outstanding medical bills that I have to pay. I also have to pay co-payments for my medical coverage and prescriptions. XXXX I stop paying the {$10.00} a month after I notified them by phone, they sent me a false " unsigned '' court document filing a " judgement '' being entered in XXXX District Court in the XXXX Court House. This court date was to take place on XXXX/XXXX/XXXX. To my surprise, the case was never heard or even scheduled. This law firm of Howard Lee Schiff sent me a new letter dated XXXX/XXXX/XXXX claiming to discuss this judgement. It claims it is still owe per the court system. This Law firm of Howard Lee Schiff is using deceptive & illegal purposes to try to collect on a debt that is beyond the statue of limitations. I am going to send a letter to the RI Attorney General 's Office Consumer Protection Department and may consider seeking legal action against this " collection law group '' I have seen many complaints entered on web sites against their shady and unethical ways
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NE PROCESSING LLC (TX)

I received a voice mail on XXXX/XXXX/15 and XXXX/XXXX/15 from XXXX XXXX with XXXX XXXX XXXX stating that they will file charges on me and take me to court if I did n't respond within 72 hours related to a debt they supposed to have bought and it is now in their office. I have not responded to these calls because I don not live in XXXX County where they are supposedly filing a suit. I do not know what they are talking about because I have not received any notifications from these people via mail.I believe these people are scam artists or at least using illegal tactics trying to get money. When I looked up the number for the caller ; I see they used to be XXXX also NE Processing.
Consumer complaint received 2015-10-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (VA)

I have a Rushcard and my pay is deposited twice per month there has been an issue with customers of Rush including my self with having access to our money for more than a week some longer. My most recent issue is that my balance is not correct. Rushcard is saying that a gas merchant is holding XXXX for XXXX gas transactions XXXX for XXXX the other for XXXX. I have use this place XXXX of times now all of a sudden they are holding XXXX of my money for XXXX worth of gas, my balance with Rush changed 5 times in one day and on the day i got my deposit into my debit card less than half my pay was in there, that is due to Rush and not the merchant. Their was and is a problem with my availble balance because of Rush, if the merchant is holding my funds it is out of concern that Rush will not pay or when the merchant submits for payment that person will show no funds available because of the issues at Rushcard I have no money to finish paying my bills. XXXX remaing bills are for insurance and if not paid they will lapse. Nothing fair about this, people are suffering in many ways due to Rushcards carelessness
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (OH)

Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

My Credit Score with Experian dropped XXXX points ( between XX/XX/XXXX and XX/XX/XXXX ) after I paid a credit card balance ( {$240.00} of a $ 3,000+ credit limit ), which was not past due. I called customer service on 5 separate occasions to gain understanding. No one was able to explain why my score dropped. Nor were they able to explain what benefit my monthly paid membership provides to resolve such discrepancies. The only negative marks my credit history are from a late payment in XX/XX/XXXX ( which was paid monthly from XX/XX/XXXX thru final payment in XX/XX/XXXX ). I would like an investigation on the practices of Experian, their lack of disclosure about how scores are calculated and disclosure of the discrepancy from the other XXXX reporting agencies ' scores that reflect positive scores ( stabilized or increased rating ) for positive actions ( payment of balances ). A monthly fee of {$21.00} is supposed to " provide tools to help manage my financial future, '' but no actual tools are provided. The monthly membership seems to be a fraudulent practice preying on consumers attempting to repair or maintain good credit ratings.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Experian report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Experian online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX ( i.e. XXXX ). 
Please pay close attention to the dates. XXXX opened the inaccurate account one and a half months after the discharge.
Consumer complaint received 2015-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc. (CA)

Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. 

I have proof of the settlement agreement and proof of payment to the collections agency.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc. (MD)

I have never received any notice of default from collection agency Simon 's Agency. 
I have discovered the collection activity while reviewing my credit report in late XX/XX/XXXX, and I have sent a notice to Simon 's Agency ( a debt collector who does n't own but is assigned to collect the debt on behalf of XXXX XXXX XXXX ) on XX/XX/XXXX. A subsequent follow up complaint was sent to XXXX via XXXX. XXXX is the current account owner and allegedly the original creditor. I have advised both them of dispute of the information submitted to Credit Bureaus. 
A notice sent to Simon 's Agency specifically stated that " this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. '' Neither Simon 's Agency nor XXXX provided any viable evidence, copy of the signed contract or even copy of the statement to substantiate the claims made. 
Instead, both companies refer to internal printout of alleged payments made in XX/XX/XXXX-XX/XX/XXXX and admit that they have no other evidence to back up their claims. 
However, despite the lack of evidence to substantiate the claims both companies insist that the debt will be reported to credit bureaus as validated and refuse to resolve this matter.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I am XXXX years of age and have a student loan amount of {$42000.00} with Navient since XX/XX/XXXX. The loan was transferred to Navient from XXXX. I do not deny that I have a loan, and I am making monthly payments. However, I just noticed that none of my monthly payment amount of {$290.00} is going towards principal. For example, my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$290.00}, and I was aware that there would be a late fee. However, {$280.00} was put towards interest and {$17.00} went towards " fees, '' and XXXX went towards principal. I have n't had anything paid towards principal since XX/XX/XXXX when I made a larger payment so that more would go towards principal. I contacted Navient and spoke with someone who was obviously from a XXXX country and was told that the interest amount is paid first, then the principal. I tried to explain that nothing went towards principal and she agreed but still said that is the way they apply the payments. At this rate, I will never pay the loan off. This has to be illegal. Even pay-day loans put something towards the principal. I understand that there was a class action lawsuit against Navient, but I was unaware of it at the time. I would appreciate any assistance that you can give me. Please contact me if you need my loan number. I will be more than happy to provide any information you need from me.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (VA)

Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : ( XXXX ) XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : ( XXXX ) XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. ( XXXX ) XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it.
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC (CA)

I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company.
Consumer complaint received 2015-11-02
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (CT)

My name is XXXX XXXX i have a rush card, I went to XXXX to had money to my card I did XXXX cash deposit XXXX for XXXX dollars and the other was for XXXX. And I never got my money on my card. It 's been 3days ever since Friday. I have bills that is due by a certain time and every time I call rush customer service there is always a long wait with no answers. My money is missing and I wan na it now. I have XXXX plus a grandson so I need my cash.
Consumer complaint received 2016-11-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN FIRST FINANCIAL, LTD (NY)

Hello i am writing to report Franklin first financial company. This company is unethical, unwilling and unresponsive with the loan process i am currently in. I am dealing with this company over the past six months and still we are unable to close a loan. I understand issues were involved on our part with the contractors initially however after all the paper work was submitted still no response still no answer. So in short this is what my family and i are going through. We are being swindle everyday with unrealistic dates, we appointed one person to handle calls and communication however when he calls his calls are either 1. ignored 2. send to voicemail 3.forward to a number that leads you to a number that does n't work. The mortgage bankers are very incapable in this company. They promised a 48-72 hour document review feedback however i have never received a feedback in this time period. These bankers are very slow they work reactive instead of proactive. The process has being so slow and exhausting that i had to submit documents not once or twice but three times. The major problem i have with these bankers are giving us false hopes, false dates, ignoring consumer telephone calls and other deceptive practices. When the compliance officer reached out to me it was the same thing they blamed us for not submitting documents on time however if they stood to there promise this would n't be a issue. Please help me understand why this company has to used deceptive practice.
Consumer complaint received 2015-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (NJ)

I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ...