davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (AZ)

I called the collection agency on Wednesday XX/XX/2021. I asked them what it was for and they stated that it was for a XXXX electricity bill. I told them that the amount was not {$330.00}. I have proof that the amount should only be {$290.00}. They sent me a letter stating that the amount XXXX sent to collections was {$330.00}. By doing so they are hereby violating the FDCPA.
Consumer complaint received 2017-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

My student loan that was taken out with XXXX was being paid by my mother. In XXXXX  of XXXX my mother was diagnosed with XXXX XXXX. With that diagnosis, she underwent a XXXX XXXX and is now during XXXX. In the midst of all the heart ache and worry about my mother, I was not thinking about my student loan with XXXX not being paid. When I called the company to explain to them what happened, not only did I not even get any sympathy from the representative, but there was absolutely no consideration made due to the circumstances stated. I have paid little amounts monthly due to not being able to pay the full amount. I have called numerous times to attempt to lower these payments and has been unsuccessful.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

With full XXXX party authorization from my client who is the seller in a short sale, I instituted a sale of the concerned home. Mortgage service company has used numerous delay process and has ignored all documentation and request from the seller. Time is of the essence whereby the buyer of the home will abandon the sales process if short sale approval is not obtained.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C. (CO)

I would like to add some information to my already opened case #  XXXX . We got a few days ago a document from the court, which was held 20 days ago. About this court nobody inform us. Collection agency urge us to set up the payment plan. How we could set up the plan, when  XXXX   XXXX  still counting late fees twice a month, after they put us under collection more than 2 years ago? Follow their rules, if they are getting regular payment by  XXXX  of each month, never will be any late fees. Follow our attachment it 's not seems like that. To get last statements through  XXXX   XXXX  we could n't because it accessible only to administration. Resent paperwork we got through  XXXX   XXXX  lawyer office. Since  XXXX / XXXX / 2015  we paid to  XXXX   XXXX  {$6500.00}. Our money somewhere lost follow our attachments. We are sending all our payments on time, but on court paper was n't noted. They showed only their processing fee in amount of {$1200.00} which was illegally stolen from our bank 's account. We would like to correct our debt amount through  XXXX   XXXX  first, and then to set up the payment plan through collection agency. When I visited  XXXX   XXXX  administration, I did n't get information, because they said it 's going through computer, and nobody could correct it.  XXXX   XXXX  cheated on residents with their service fees. If nothing will change, we 'll collect signatures from our residents regarding poor serv ice. The street near ou r house very damaged for a few years and anyone could turn the neck by walking.  XXXX   XXXX  sleeping in a darkness at night time, because just a few lights are working in the streets. Question : Resident! Pay huge money for poor service, and wait until our pockets will be full to do any better service.
Consumer complaint received 2017-02-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has prematurely, improperly, and unlawfully began and continued the foreclosure process including the foreclosure sale of my home and property. 

Bank of America 's motivation for the premature, improper, and unlawful foreclosure and sale is due, in part, to my refusal to accept the Bank of America settlement agreement with the DOJ and AG offer of XXXX XXXX, XXXX and the terms of the now foreclosed upon XXXX Deed of Trust changed requiring Bank of America to pay all property taxes and insurances on my behalf. What this means is until a settlement offer is accepted, the bank must continue to pay out on my account. It basically costs the bank several XXXX dollars a year on an account pending in the modification process where I am not required to pay monthly installments until the modification process is complete, as a matter of law. These two things, when coupled together, is why Bank of America chose to Dual Track and begin the foreclosure process before completing loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX, Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. On XX/XX/XXXX, XXXX shows Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. The payment history shows a payment in XX/XX/XXXX and XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple years. There had not been any changes. I've even sent Experian a copy of XXXX  deletion of XXXX XXXX XXXX due to the inaccuracies. Finally, I sent a copy of XXXX  to Experian to show more inaccuracies. XXXX  date of first delinquency XX/XX/XXXX. Experian still verified everything reported was correct.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (CA)

First of all 21st Mortgage took over our loan and they are difficult to deal with. First of all we are behind 2 months going on 3 months and I called them to make a payment and they said that they wouldnt accept the payment unless we give them detail or plan on what to do with the delinquency. I ask them to write a letter that they are not going to accept my payment but they refuse and said to mail it and that I did. I also told them that i am being audited by the Franchise Tax Board because it doesnt show with Franchise tax board that I am not one of the owners and that they only declaring XXXX person as the owner instead of XXXX to the IRS.. They wanted a proof of the letter from the Franchise tax board so that they can call the them to talk to them. They also wanted to know who is our accountant so they can investigate. That day that they didnt want our payment instead they sent a letter which I will attached that now we owe four months. They had previously sent someone at the property to collect the mortgage payment. They have been forcing us to file for loan modification and we had informed them that when we filed for a loan modification instead of us getting our payment lowered it had increase our payment and as of now Im being garnished by the Franchise Tax Board for not being one of the owners. I had been asking for a monthly mortgage statement to see how much we had paid, interest, but they said that they dont provide mortgage statements. They had also been calling my mom, my sister to which they are not part of the loan. When making a payment with them its so difficult because it goes from the customer service to the financial counselor to the supervisor then you need to inform them when you making the next payment. Ever since they ( 21st mortgage ) took over the loan w have so stressed out with them calling night and day including saturday early mornings.That day that I was making a payment and they wouldnt accept it they were on the other line calling the Franchise Tax Board and wanted to talk to them regarding the audit. Thats too personal and that the mortgage comp has no right to call the Franchise Tax Board and also wanted to know the name of our Accountant so that they can investigate and they were saying that our accountant is not good and that he doesnt know what his doing when filing for taxes. I even told them that it is illegal for a mortgage company not sending a monthly mortgage statement. We had fax the letter we received from the Franchise Tax Board to the mortgage comp because they wanted a proof and that they said they were going to deal with the Franchise Tax Board.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I originally fell behind to medical issues that led to unexpected doctor bills and caused financial hardship. I have been trying to work with the lender to obtain a loan modification without success they state I do not qualify and I have resolved issues by increasing income and still state the same reason. Thereafter filed for a Chapter XXXX bankruptcy to try to reorganize the debt and thereafter the lender opposed the bankruptcy and caused to not go forward. In every attempt I have made to save the home they have made me fall further behind by not assisting my situation. Further they finally offered a modification making payments of close to XXXX and I made the XXXX trial payments and thereafter the modification was cancelled because they state I did not return the documents which I did not receive. I am desperate and frustrated and my health is being affected from all the stress this issues has caused. I have looked into filing a Wrongful Foreclosure lawsuit but at the moment can not afford an attorney and just want to save the home. Also this issue also started when servicers change and amount of debt increased without explanation.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I 've recently began the process of purchasing my first home for my family. Upon retrieving and reviewing my credit reports, I 've noticed 2 collection accounts listed from Portfolio Recovery Associates. After researching this company on the Georgia Secretary of State website, I 've discovered that Portfolio Recovery Associates is not licensed in my state. Also, I 've never had any contractual agreements with this company. The unlawful collection practices and negative reporting of Portfolio Recovery Associates is extremely detrimental to my home buying process, which is causing major delays. This reporting is preventing me from purchasing a home for my family. We are on the verge of being HOMELESS. I 'm truly disgusted!
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

ERC, as well as as XXXX  XXXX are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

This double-dipping in credit reporting has had a significant, negative impact on my CBR.
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBERs : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX Fax : 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 PORTFOLIO RECOVERY ASSOCIATESor any company associate with this account # XXXX 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 XXXX FCRA XXXX. 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 : PORTFOLIO RECOVERY ASSOCIATES 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 A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (WY)

On XX/XX/XXXX I paid in full the loan amount Citizens Pay loned me for {$880.00}. It was for an XXXX XXXX XXXX with All Access. I called close my account about a week afterwards so as not have excess credit lines effecting my credit score. The representative informed me I must wait 30 days until I can close the account. I called back tonight ( XX/XX/XXXX ) and was told I need to wait 90-150 days before my account will close automatically, and they are unable to manually close the account. XXXX is the phone number in their Terms and Service Agreement under section " # 19 Closing Your Account '' subsection " b ''. A link to their terms is here... 

https : XXXX XXXX in their terms state they are unable to close my account when requested by the creditor. I believe what they are doing is against the law. In my opinion they are holding my credit line hostage ( {$2500.00} ) and disabling me from keeping a high credit score, and disrupting further credit lines from other creditors. I've paid them in full! I want them to close my account!
Consumer complaint received 2015-08-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm.
Consumer complaint received 2022-09-06
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore Loan Management continues to Service Loan with incorrect figures, balances, fees, etc. that are a breach of contract while US Bank XXXX XXXX for XXXX XXXX XXXX 2016 has been able to use their false certified system to get a Foreclosure Judgement. 

This QWR request sent to Rushmore that must be answered immediately.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

Central Financial Control AKA Syndicated Office Systems has been attempting to collect a debt that was paid or should have been paid by insurance ( XXXX ) had XXXX ( ORIGINAL CREDITOR ) billed insurance accurately. I had 100 PER CENT coverage for XXXX at XXXX. 
Instead I am harmed credit wise by the collector for designation and publication of this debt..
Consumer complaint received 2015-05-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (CA)

The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX  Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting XXXX says closed no payments due Trans union says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681
Consumer complaint received 2021-10-03
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: EQUIFAX, INC. (DE)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, EQUIFAX, AND XXXX CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED EQUIFAX, XXXX AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (CA)

I paid off this loan on XX/XX/2020. My credit report as of XX/XX/XXXX still shows this account open with a balance not taking my payoff payment into consideration. Therefore it would have been appropriate for my credit report to show this paid off and closed as of XX/XX/XXXX. It seems the Bank does not have appropriate controls in place to ensure accuracy of customer information submitted to a credit reporting agency.