davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

There is a collection account listed on my credit file which is unknown. I do not owe this amount to this company. I have NO records of even having opened an account with this company. I have disputed and received nothing. Please help
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. 
I want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AR)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

congress has made it clear that there is abudant evidence of the abusive deceptive and unfair debt collection practices by debt collectors like PORTFOLIO RECOVERY ASSOCIATES LLC.Thank you for providing me with the documentary evidence of federal violations in the collection of an alleged debt PORTFOLIO RECOVERY ASSOCIATES LLC is not licensed to collect any debt in the XXXX VA .I will need them to provide more documentary evidence of federal violatios so i can continue to add to my small claims court lawsuit against PORTFOLIO RECOVERY ASSOCIATES LLC for the following FEDERAL VIOLATIONS.

15 USC 1692 B, C, D, E, F, 18 USC 1001 IM REQUESTING THE COMPANY READ THESE US CODES AND TAKE SERIOUSLY BECAUSE THIS COMPANY IS IN VIOLATION CLEARLY
Consumer complaint received 2021-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

After over 120 days of sending Equifax several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. Equifax has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. Equifax continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

To whom it May concern : The situation is the following, my synchrony bank crate and barrel credit card limit was decrease from {$9200.00} to {$3500.00} in the date of XX/XX/2022. 
I did received a letter XX/XX/2022 giving me information about it. 
But the reasons presented are meaningless. 

The balance of the card is more than 30 % but is not even half of the credit limit. 

I have never made a late payment and I have always paid more than the minimum monthly amount And finally I found disrespectful after spending so much time with your bank card that they reduce the limit to a lower amount than when I opened the account. 

I asked for information by phone the date of XX/XX/2022 but no solution was given to me from your customer service. 

I respectfully request that you reconsider the action taken. 



Regards.
Consumer complaint received 2016-07-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I cosigned a private student loan for my sister. She used it for lawyers as she was getting divorced. She never used the funds for college. I went into bankruptcy and they refused to discharge this loan even though it was n't federally guaranteed and the monies were not used for educational expenses. I 'm out of bankruptcy now and all of my student loans are suddenly under Navient along with my sister 's loan. I 'd like to discharge them all.
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (CA)

At end of XX/XX/2022 have received a debt collection notice from Oliver Adjustment Company, for services I had at XXXX XXXX XXXX XXXX XXXX... 

I did not receive any direct bill/invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I assumed/expect my insurance payed in full. 

When I received debt collection, I drove over to XXXX to inquire. 
Seems their offices are closed down. There was a number on the window to call : XXXX XXXX XXXX ... I call this number but there is no answer. 

I should not have to take my time to correct what is going on, and potentially have my credit rating damaged. 

Please investigate.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Application processing delay — 
Company: WELLS FARGO & COMPANY (MI)

I have been a good customer with Wells Fargo since XX/XX/2007. Everytime I need to talk to someone I get put on hold or get disconnected. I have tried to close an account and they have a XXXX - XXXX day process to close account. I make a telephone payment and request the account be closed and they wo n't close account. Today I have spoken to more than XXXX agents spent more than an hour disconnected twice. Wells Fargo should not be in business if they can not look after their customers.
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The company sent me a document with a photoshopped signature that was not the signature of me the agent, principle and living soul. They refuse to send me original documents and validation to proof of claim.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The Affiliated Group, Inc (CA)

This collection company was contracted by XXXX XXXX to continue collecting and listing the 'debt ' on my credit report although I have underwent the process of shameful bankruptcy. The Federal court has already discharged my debts but this company still listed the collection on my credit report. I saw this in my Experian report and I am sure it is the same for the other XXXX.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: E*TRADE BANK (CA)

E*Trade ran an offer of 2.00 % APY if I transferred money to their " Premium Savings Account '' In total, I ended up moving in about {$13000.00}. However, after doing so, they reduced the APY to 0.05 %. That is bait and switch!
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The XXXX XXXX  XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX  XXXX XXXX fraudulently processed loans on my behalf.
Consumer complaint received 2016-12-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

After providing Wells Fargo with the Notice of Assessment Reduction on XX/XX/XXXX we received a letter stating that Wells Fargo was increasing the escrow amount that was extracted bi-weekly beginning XX/XX/XXXX. 

We sent XXXX other letters showing the reductions and that the XXXX XXXX insurance amount was also being reduced by XXXX / year and Wells Fargo proceeded to remove the new increased amount on XX/XX/XXXX th. 

This increase caused our account to go overdrawn and we called and attempted to correct this for XXXX weeks. We need to have the previous amount returned and the adjusted reductions applied XXXX so that we can continue with our payment agreements.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Aspen Yo LLC (FL)

Good evening, I am paying everything correctly. I have no late payments. When the pandemic hit me, they told me not to pay. It didn't matter to me that they put late payments on the loan and they didn't comply with me. Now they want to take away my property. Thank you.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (LA)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (OR)

On XXXX XXXX our house XXXX, in XXXX the insurance company settled with us an sent a check for the settlement with both my name and the mortgage company. I endorsed the check and send it to the New American Funding and they deposited the funds into an escrow account. My outstanding mortgage was XXXX and the settlement was for more than that amount so they sent me the difference to use as I pleased. I then asked for a dispersment for the demolition of the house, had an inspection and received XXXX. The balance in escrow was now about XXXX. The loans then sold to New American Funding ( confusing I know it seems like the same company ) and they then said I needed to resend all the insurance documents etc. I indicated they should and do have all of those and they needed to find them. After four weeks and multiple phone calls they finally had the documents, even though they had them the whole time. I was sent information that said you would receive payments in XXXX as the house was completed. Three weeks ago I spoke to XXXX as they had received the inspection report indicating the house was at least XXXX percent complete and requested the XXXX draw. I was informed that the XXXX draw was less then the normal thirds they would have send and that the XXXX draw would be larger to get us to the 66 % mark. I receive the draw and it was not the XXXX I was expecting, it was XXXX. I have a house that needs to be built and paid for. The person I called said they were considering the first payment they sent out the amount of the settlement in excess of the loan amount as a draw. However it is not. They have no control over funds about the mortgage amount. Also it does n't seem right that they continue to charge me interest on my loan and make interest on the funds they are holding against my loan. It has been very disorganized, they can not send or receive email and if you ask for a supervisor they can not transfer you. One has to call back in 2 days. They call outside of normal business hours for my time zone, and every person you talk to tell you different information. I need to amount to be corrected and sent as I have a builder I need to pay.
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (FL)

When I finish studying at XXXX XXXX my Student Loan was only {$30000.00} debt. Now my Student Loan Debt is {$68000.00} This is too much money. I signed up with a company and now I am going to start paying {$190.00}. I would like to see the possibility of my Student Loan to be only {$30000.00} and not {$68000.00} This is a Student Loan Abuse!!!
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (VA)

On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Collection Service, Inc. (TX)

I had internet service with XXXX XXXX XXXX that was discontinued and I returned their equipment. 
XXXX XXXX XXXX claimed that they did not receive it and was billed. 
I called XXXX XXXX XXXX and explained that I had returned the equipment and gave them the postal service 's routing #, when they received it, and by whom. 
The person with whom I spoke with assured us that the matter was resolved. 
However, apparently someone jumped the XXXX and turned over the case to the Franklin Collecting Agency. 
The agency called demanding payment. I explained that the matter had been resolved and that they should contact XXXX XXXX XXXX for verification. 
The lady that I spoke with told me that she did n't call to argue with me and demanded payment. 
I have been receiving harassing phone calls since then. I finally blocked their number. However, I still receive calls with a different #. To date, I have XXXX different blocked # 's bearing their name.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

I am a physician, and as such I am very reliant on having a functional phone. XXXX sold me android phones which were constantly and consistently breaking down. They replaced the phones numerous times. The last time they replaced the phone with a new one it did n't even last a day before it stopped functioning properly. When their representative told me he was going to have another android replacement sent to me I said that that was not acceptable. I told him that I needed a different phone that was more reliable or I was going to switch to a different service provider. He said he could only order me another same type of phone. Therefore out of frustration I switched to a new carrier.
Consumer complaint received 2022-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (SC)

I received a validation letter from XXXX, but the company failed to disclose that I had thirty days to dispute. This is a violation under 15 USC 1692g. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to also be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand XXXX to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.
Consumer complaint received 2017-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CFM Group LLC (TX)

I actually do n't know whats going on seens i have XXXX i have accesses of my credit info, my credit went down from excellent to good because of this creditor called CFM GROUP XXXX, GA XXXX I do n't recall if i have got any phone calls or latter from them and i do not recall if i own anybody any kind of money.
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Carrington Mortgage Services began servicing my 30 year fixed rate mortgage in XX/XX/2014, it was transferred/sold to them by XXXX Mortgage. They have refused to provide any statements on my account. The only information I have available through their website for billing is the monthly/total amount due. When they took over my loan, my payments went from XXXX to XXXX and I don't know why without them providing any documentation on my monthly payments.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AL)

I opened a Coinbase account with {$1000.00} wired from my bank on XX/XX/2023. The following day, my money was transferred to another wallet, It was subsequently transferred to 4 other wallets and ended up in a Coinbase wallet.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX