davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Holloway Credit Solutions (GA)

HOLLOWAY CREDIT SOLUTIONS HAS BEEN INFORMED THAT THE DEBT THEY ARE TRYING TO COLLECT FROM ME IS FRIVOLOUS. THEY ARE TRYING TO COLLECT A DEBT ON BEHALF OF XXXX UNIVERSITY AND I HAVE ALREADY INFORMED THEM I ATTENDED UNIVERSITY OF XXXX AT XXXX IN ( XX/XX/XXXX-XX/XX/XXXX ) AT THE SAID TIME OF THE ORIGINATION OF THIS ERRONEOUS DEBT. I HAVE PREVIOUSLY INFORMED HOLLOWAY CREDIT SOLUTIONS THAT I WAS A VICTIM OF IDENTITY THEFT. I HAVE ATTACHED OFFICIAL DOCUMENTATION FROM THE XXXX WHICH SHOWS OFFICIAL AND VERIFIED ENROLLMENT STATUS DURING THE TIME THAT HOLLOWAY CREDIT SOLUTIONS IS CLAIMING I WAS A STUDENT AT XXXX UNIVERISTY. I HAVE ALSO ATTACHED DOCUMENTS FROM THE XXXX THAT CLEARLY CORROBORATE MY ATTENDANCE AT XXXX ( NOT XXXX UNIVERSITY ) VIA THE PELL GRANT DISPERSAL THAT I RECEIVED **FROM XXXX , NOT XXXX**, WHICH FURTHER VALIDATES THAT I ATTENDED XXXX, AND NOT XXXX UNIVERSITY. THE DOCUMENTS OF STUDENT ENROLLMENT IN XXXX UNIVERSITY ARE A RESULT OF IDENTITY THEFT. IT IS QUITE STRANGE THAT XXXX UNIVERSITY CAN NOT PROVIDE DOCUMENTATION THAT SHOWS WHAT BANK ACCOUNT THESE DISBURSED FUNDS WERE ALLOCATED TO, NOR CAN THEY SHOW OFFICIAL DOCUMENTS FROM THE XXXX or XXXX IN THE SAME WAY UNIVERSITY OF XXXX AT XXXX HAS BEEN ABLE TO DO. THAT IS WHY THIS IS NOT A LEGIT DEBT AND THIS WILL HAVE TO BE REMOVED FROM MY CREDIT PROFILE. 

HOLLOWAY CREDIT SOLUTIONS HAS ALREADY ADMITTED IN WRITING THAT THEY HAD ACQUIRED AN INCORRECT DATE OF BIRTH-THAT DOES NOT MATCH MY DATE OF BIRTH. THIS FURTHERS DISCREDITS THEM AS UNETHICAL DEBT COLLECTORS.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

On and off for the last year I have been unable to obtain my Equifax score and report. I pay monthly for their service. I have called numerous times and spent countless hours on the phone. Most people ca n't help me. XXXX XXXX has helped, but has told me if I keep using the service THAT I PAY FOR, that " they will take it away from me ''. So they continue to lock me out from access to my report, but continue to charge me. This is fraudulent. I want access to the product I pay for.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My wife and I sold our home and relocated to XXXX  from XXXX and wanted to purchase a new home. We have had a mortgage with Bank of America since XXXX. Our credit history is exemplary with BOA and over credit score of XXXX. Our income at that time was {$8400.00} with only debt being student loan ( {$55000.00} ) we had the proceeds from the sale of our home, and we were willing to put $ XXXX {$100000.00} down. Bank of Americas response to us was a question : Can you get a co-signer. We were stunned and this response has never settled well with us. 
This all took place in XXXX of XXXX. We had a few deaths in the family before this and after as well, so we didnt have the mindset to follow up.
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Allied International Credit Corp., (US) (FL)

I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX .... 
If I receive the information about this person, who has my? 
Please help me with this Identity Theft Collection Company. 
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others. 

ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

**This is n't a duplicate request please read as I have loaded supporting documentation**I was advised incorrectly from the creditor that my credit report would delete the derogatory marks after six months. However the information was incorrect, it was actually 9 months. The nine months have passed but no updates to all XXXX credit reporting bureaus. To delete the inappropriate marks on my credit report in a timely fashion because the XXXX advised the update was sent on XXXX/XXXX/15.
Consumer complaint received 2022-08-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

In XXXX, I returned to school to get a XXXX XXXX and my undergraduate loans were placed in in-school deferment. I was employed by the federal government and pursuing Public Service Loan Forgiveness. I remained on the in-school deferment until I completed my program in XX/XX/XXXX. 

The new waiver does not give credit for in-school deferments towards the XXXX payments requirements. I feel like we should be given the option to take those student loans out of deferment and make back-payments ( for the same amount we paid back then ) to count towards the XXXX payments for PSLF.
Consumer complaint received 2022-02-05
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: R & B Corporation of Virginia (NC)

I do not owe any money to this business and I am unaware of said collection. This debt collector is in violation of 15 U.S. Code 1681 b. Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report anything on my consumer report no consent is identity theft. Please remove this inaccurate information from my credit report immediately.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASSOCIATED BANC-CORP (IN)

I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

I have contacted Ally two times in regards to an auto debt that they have has charged off on my report. I am reporting them for one of several reasons : 1. My last payment date is not correct and I have requested they show proof of my last payment since it is a year older than when my last payment was-My last payment was XX/XX/2015 they have XXXX XXXX They have failed to provide it. 
2. I called and try to settle the debt, but they say it's being handled by XXXX XXXX XXXX, which is not on my credit report. XXXX will do a pay to delete, but that will leave Ally still on my report. 
3. The auto in question ( had two active accounts with Ally paid one-off in full ) was turned back into the dealership and resold. I have asked for proof of the resale amount and breakdown of fees and have not received requested documents,
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (CA)

I have received a letter in the mail from a debt collection company only identifying themselves as XXXX XXXX, saying I owed a debt for a specific time, the time I was in fact out of state and indesposed. They stated I could dispute the debt by calling a number that was in fact out of service. At the supposed time the debt took place I have insurance that covers the procedure they ate trying to bill me for. Also, they don't even have a valid business license for the state they are trying to bill me in. I have tried to contact them via the phone number they listed but can not get ahold of them. Please let me know what I can do as I feel this whole issue is injust. Thank you.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (NV)

LVNV Funding LLC at XXXX XXXX XXXX  XXXX, SC XXXX Has been sending me collection notices in the amount of {$2300.00}. The collection has been reporting as a past due balance. I do not know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc (NV)

I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it.
Consumer complaint received 2021-05-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (CA)

NCB Management has made repeated attempts to contact me by phone after being instructed no less than two times to cease attempting contact.

NCB Management had been contacting me by email also, so I used that email address to send them to notifications, one dated XX/XX/2021 and one dated XX/XX/2021 directing them to cease further attempts to contact me or associates. 

I received no response to either communication. In my requests I had asked for a confirmation letter to be sent, and none was. 

Despite my attempts NCB Management has made several calls each day of every weekday.
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (AK)

In 2007 XXXX XXXX and XXXX sent recruiters to high school classrooms giving them an air of legitimacy. 
I showed interest as a XXXX XXXX XXXX and was aggressively marketed to, including multiple calls during school hours. Many claims were made by recruiters about accreditation and legitimacy of degrees. 
Excited to have been accepted in to a school with an allegedly good reputation I took out a federal loan to pay for part of my education. I took out around {$30000.00} as a fresh new adult. 

In the more than decade after graduation I have gone from entry level job to entry level job. Barely being able to access health insurance. The XXXX XXXX that seemed so important had counted for very little and making even the lowest payments has been a challenge. My interest rates have left me with more than {$10000.00} more debt than I started with. Loan servicers have bought and sold the debt multiple times making it difficult to keep track of. 
I feel that I have been scammed and that the federal government has legitimized it. Even after XXXX and XXXX have been listed as bad actors this debt has grown and stunted my ability to take major milestones in life. 
I was further insulted when after organizing with other student to amass our stories and data to show this fraud we were denied in blanket denials from the department of education. 
These predatory loans and schools should not be accessible to high school students trying to make their lives better and follow the instructions put out by their peers and educators. 
I thought I was bettering myself not damning myself by getting an education.
Consumer complaint received 2015-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suburban Credit Corporation (MD)

I was admitted at XXXX Hospital, XXXX XXXX, MD on XXXX/XXXX/XX/XX/XXXX with XXXX. I was discharged on XXXX/XXXX/XX/XX/XXXX and I received all my bills and settled. i viewed my credit on XXXX/XXXX/XX/XX/XXXX and saw XXXX XXXX XXXX XXXX serious delinquency had been reported by collection agency, Suburban credit corp against me. I never received any bills nor contact from them but they went ahead and reported to the credit bureaus.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Comerica (WA)

I have the Direct Express card thru SSA and have learned that their dispute resolution investigation means the merchant will always win and even if you get any resolution, the permanent decision in your favor can still be debited at any time after case closed. The don't even list what they're debit for or warn you..us low income XXXX individuals are at their mercy We can't add funds or keep more than {$2000.00} on this card, pending doesn't mean " hold '' on a debit card so hotel reservations or gas stations lock up urn $ $ for up to 90 days now!!! They get their money instantly XXXX but any return takes 7-10 days with receipt. or online purchase made after ID theft ( homeless and W/o shelter..it 's a b**** to try and carry everything on ur back, especially when ur XXXX and victim of authority that entrap you and partner with rules they make up as they go along depending on how you look that day and don't even care about identification or reporting ID misusage by people you think are ur friends No protection, worse for protected person, easier for abuse of anything and anyone w/o shelters that say their full but COVID gives them an excuse. Then no $ $ and no phone or Internet sometimes plus nowhere to charge on. Library is closed and no transportation. Finding a place to XXXX without buying something is impossible. Waiting on deposits at hotels has been a problem lately because by the time they're refunded someone has caused damage and being like this gives them an easy target and they can't remember, think you can't or don't know how to dispute it. Kinda like guilty before innocent, poor will always be there and if you try to be proactive, they will find something wrong to stop you from telling on them, the merchant. Found out a merchant can overdraft ur account ( mine is - {$190.00} ) do they get charged for that cause I can't even OD {$10.00} like they advertise I had to dispute the ATM fees once ( first one isn't really free - ever ) and no way I mail or afford to fax dispute forms. They say they never ask for your PIN or personal info but try calling the toll free # to verify. Also they ask you questions after like dates and amounts when they should have it right in front of them. Lost your card and recording says " we are experiencing a high volume of calls, please call back at a better time '. Is there ever? I don't have good enough credit to open a local checking account ..any suggestions?
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MS)

I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with TD bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I am getting constant calls from Portfolio Recovery Services. I do not have any old debt. They never leave a message. I researched the numerous numbers they use to contact people and I do not answer the phone because it appears from the research that this company is not creditable. I just purchased a house, so I know my credit report is clean.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (NV)

On XX/XX/2022 at XXXX ( PST ) Capital Link Management employee XXXX XXXX executed improper conduct by contacting my wife, a person who has XXXX debt belonging to this company, using work related tools/software/program to locate, use, and share her non-publicly listed phone number for personal reasons. 

XXXX XXXX also shared her unlisted phone number with a relative. XXXX XXXX contacted her via his work phone ( XXXX ) twice and via cell phone. My wife was contacted not only by XXXX XXXX but also the man he extended her unlisted phone number to on the same day. 

This practice is improper use of a debt collector 's software and hardware to locate a person who is not affiliated with or have a debt related to Capital Link. This is a gross and extreme invasion of privacy that caused unnecessary emotional distress from happening to my wife ( and possibly others ) again. 


I have contacted the compliance office at Capital Management and was told that this was not a legal or policy violation. I have attached email chain between myself and XXXX XXXX. I disagree with this assessment and believe they are trying to deny this issue was a legal/policy/regulator violation. I contacted CFPB and confirmed this is a violation which should be submitted. 

I am not asking for action or compensation other than the acknowledgment that this is not an acceptable or legal use of company assets and that it will not happen again.