davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

I continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call. 

Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX. 

A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (OH)

We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone.
Consumer complaint received 2017-03-09
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (ND)

I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. 

I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. 

I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Mortgage changed hands several times XXXX XXXX XXXX to Greentree and now Ditech. Received final discharge of chapter XXXX bankruptcy in XXXX 2016. Received notification from identity monitoring that Ditech reported XXXX 2016 payment delinquent. It was paid XXXX XXXX. Ca n't reach customer service representative since then. Hold times over 45 minutes then call disconnected or goes to original menu. Emailed customer service and received confirmation of receipt. Told I would be contacted by mail. Can not access account payments online. Information disappeared and it prompts you to call bankruptcy department back to same phone tree which is now answered by XXXX XXXX XXXX XXXX. I 'm aware the parent company known as XXXX XXXX was sued for XXXX for deceptive practices while doing business as Greentree. Seems like same sort of issue persists under Ditech name. Hundreds of recent complaints from many people like me trapped by these scam artists.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TX)

XXXX XXXX 2015 contacted my current mortgage company to refiance my loan. They did credit check, appaissor done, was sent appraissal copy then for month no communication after i kept emailing for a status, then given false info abt title company called them was fixed loan processor still no communication after calls & emails. I called the ditech guy he then called a supervisor gave me another person as loan processor. She said things needed fixed before closing well all this time 2 months no one told us, got these fixed but then title company XXXX had papers since XXXX XXXX 2015 nvr cleared title for closing. Until after XXXX XXXX 2015 which then expired my application. Told all need to do was resubmit for application loan then they called saying ur credit now lower ( ya XXXX hard inquiry by them in 4 months ) cant do conventional but can do fha loan costing more. Ive paid my mortgage for 20 years same address but now they stalled around for months telling me false statement when application expired ( have email as proof ) can just resubmit knocked my score lower and trying to act like its ok they stalled around no communication for months on something they do everyday as professionals. How is a person to do as they need to when these companies seem to get away with stalling or right out lie abt process after their mistakes which they admitted to.
Consumer complaint received 2016-05-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

XXXX was processing a loan modification for us, and the process took several months. We were informed they had stopped the process in order to sell the loan, then sent correspondence stating they were not going to sell the loan, so the modification process was started over. I had to inform them ( XX/XX/XXXX ) that my husband was hospitalized and I was diagnosed with XXXX. All of a sudden we were notified that the loan was sold to Green Tree. Green Tree immediately started another modification which did not go through ( apparently because XXXX had recently ended one ) and they entered us into a repayment plan, to begin on XXXX XXXX, XXXX. Then Ditech and Green Tree merged apparently ... ( Green Tree was involved in major fraud lawsuits ). We completed the repayment plan as outlined in writing XX/XX/XXXX, under Ditech. We paid {$17000.00} to DITECH ( when supposedly we only owed {$13000.00} ) We did not receive a bill in XXXX so we called to find out what was going on, since we had completed all of the balloon payments in the plan. At this time we were informed Ditech was foreclosing on the house without any explanation. They started another loan modification XXXX XXXX, XXXX, and we received a letter Saturday, XXXX XXXX, XXXX stating again that they are foreclosing without any negotiation etc, and the letter is dated XXXX XXXX, XXXX ( but postmarked XXXX XXXX ). It is all over the internet that these companies inlcluding XXXX, Green Tree and Ditech are committing mortgage fraud and have been sued. Many people do no have the financial resources to fight XXXX XXXX, who owned Green Tree and owns Ditech. We are struggling to get a lawyer at this time and would appreciate your intervention, or any help you can provide. You can find a sampling of very simmilar cases listed here on XXXX : XXXX We definitely believe we are victims of Mortgage Fraud, and that they are simply foreclosing on our property instead of negotiating to collect the " insurance '' they have through XXXX XXXX . We also have no idea when we supposedly got a " XXXX XXXX '' loan, we were not aware we had anything other than a normal mortgage until all this happened. We have ALL THE PAPERWORK, CORRESPONDENCE AND BANK STATEMENTS
Consumer complaint received 2016-10-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (NJ)

I have an {$800.00} payday loan from Spotloan c/o BlueChip Financial XXXX. XXXX XXXX XXXX, ND XXXX. They are taking {$160.00} directly from my checking account 2x per month XXXX. I have been trying to pay it off but have learned the company is no longer in business. They give another # to call when you call the and that company has no record of me or my account. They took out anther payment again today and it says debit from Spotloan. My issue is they are going to keep taking payments 2x per month until XXXX and there is no way for me to prevent it from happening.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

On XX/XX/2018, I opened a credit card account with Discover. I have just checked my credit report & apparently I have late payments on XXXX, XXXX, & XXXX of 2018. I have had automatic payments set up since i opened the account, so I dont understand how I can have late payments.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: M&T BANK CORPORATION (NY)

I provided a sign on bonus for employment and was told that leaving within a year I have to pay it back depending on when, my offer letter did not state anything about paying the bonus back in full. I left the company after 9 months because the culture and organization is terrible. During my exit no one even mentioned anything about the signing bonus being repaid. I then received a letter from the M & T Bank collections group demanding that I pay the amount back and when I called, XXXX XXXX who I spoke to, was rude and not willingly to negotiate, which I was willing to do.
Consumer complaint received 2016-04-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SIMM Associates, Inc. (PA)

I received a call on XXXX/XXXX/XXXX from a private number advising that I had missed a court date & needed to call XXXX. I called and was advised by XXXX at XXXX that they were going to have a cop come to my work, have me arrested, & have my wages garnished. I said that he had to have a court judgement to garnish my wages. He said that no he did n't. He would get my employer to sign a paper showing what I made then they would file at the court house to have my wages garnished without any kind of court case. He requested a " payment '' of {$1200.00} to settle an account that was paid off to the original creditor in XXXX. I asked for a mailed copy showing what I owed and was told they do n't do that. Yet at the beginning of the call he advised that a " certified '' letter was sent. I checked with the local post office and they have n't had anything that required a signature for my address in XXXX. I did not make payment as I request proof the debt is owed. After I hung up I called my attorney 's office and was advised that this company was a scam. My attorney also advised that in my state, my wages can not be garnished for anything but an IRS Lien or defaulted student loans. Also I checked in my state and did not show where there was ever a civil suit for me. I also checked with the county, and they did not have a missed court date for me.
Consumer complaint received 2023-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

Equifax did not review my result and give results of the dispute correctly. I disputed an address on my file that is not mine. Their response was that they reviewed the address and the documentation I provided but did not give the results of that dispute. When the complaint was brought up with cfpb the first time, they stated that my name was correct, which was not the item I was disputing. I am filing a second complaint as the investigation to both issues has still not been rectified. I can provide the address in question upon request but cfpb has requested that I do not include identifying information. I have included the document of the dispute results as well. This document includes the dispute ID
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.
Consumer complaint received 2020-10-06
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CO)

I had set up a post dated payment for later in the week when they called to collect on my normal monthly payment that had been late due to an issue between their system and my bank 's system. That money was pulled early, and then brought me to below the amount needed for other bills. I called to see if they could refund it, but could n't without waiting 7 days and then sending a check. They suggested I contact my bank, so I did, and they were n't able to refund the money soon enough either. Then, over a week later, they called me saying that my payment was late and they needed it. It turns out they submitted the refund of the money, and then it brought my account out of being current. They could n't tell me why they did this, and then asked for the money
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (NY)

I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. 

In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. 

For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. 

Your assistance in resolving this matter and clearing up my credit report is greatly appreciated.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (UT)

Deposited a money order on XX/XX/XXXX at ATM at a branch. Was not given {$220.00} available funds immediately as US Bank account rules state. All funds appeared to be put on hold. 

NO COMMUNICATION ever from US Bank -- there must be some rules about bank holding funds and at least communicating about it. I went to branch on XX/XX/XXXX and spoke with teller. She stated that 7-day hold, funds would be available first thing on XX/XX/XXXX. On XX/XX/XXXX no funds available. XX/XX/XXXX no funds available. XX/XX/XXXX called US Bank XXXX line -- very unhelpful and stated that US Bank DOES NOT COMMUNICATE when holding customer funds- phone agent could do nothing and hold investigations " usually complete '' in 7 business days ( big difference ), but could take longer. Funds were finally available on XXXX. 

There must be rules violated here about a bank not accepting their own deposit rules ( available immediate funds ) and then not even communicating with a customer about holding their funds. Please let me know what other regulatory agencies need to be aware of this so this practice stops.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Omega RMS, LLC (FL)

Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

During my 3-year period as a XXXX, I had chosen to place my loans in deferment, which is an option that is allowed, and is interest-accruing. When I finished XXXX and my partner and I were applying for a mortgage, the lenders identified numerous accounts that had been reported to credit bureaus as delinquent. The time period in question was early XXXX months where I was still actively a XXXX. I wrote to Navient to dispute the delinquency, with all the required paperwork, and was denied to have the bad reports removed. I am still struggling to raise my credit score to where I can get approved to buy a new home.
Consumer complaint received 2015-06-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (CA)

I purchased a vehicle XX/XX/XXXX from Drivetime ( Car Dealership ) and they are not reporting my pmt history to any of the XXXX credit bereaus because of a prior BK that was closed XX/XX/XXXX. I have since opened other accounts with other companies and they are all reporting. Im trying to rebuild my credit and they promised me that they report to all XXXX bereaus and they lied because THEY ARE NOT.. All i want is for them to report my history with them. Ive made every payment on time and want it shown on my credit reports
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK (MO)

My checking account was set up to decline any transactions to include checks, EFTs and debit card purchases when there where insufficient funds. When I went to check my account the other day I noticed that yet again, commerce had allowed these transactions to go thru again even though I had visited the branch the last time this occurred to ensure that this would not happen again. Now there is approximately {$150.00} of overdraft charges on my account the should not have occurred due to the fact that I was assured that it was set up properly to decline any transactions when funds where not available.
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: COMMERCE BANK (FL)

Commerce bank the lender for a buyer has required the Seller to transfer ownership in an LLC as a requirement for the Buyers loan prior to the lender funding the transaction. This highly unusual and unprofessional requirement is predatory at best and puts the Seller at unnecessary risk.
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (FL)

I received a letter stating that I had been selected for wage garnishment. I contacted the loan servicer Transworld Systems ( TSI ) to get enrolled into a rehabilitation program. My primary complaint is the fact that there are separate departments that deal with the set-up, verification and maintenance for each account and they do not all work efficiently together. So XXXX person in XXXX department will tell you XXXX answer and then later you will be told something totally different by another person or department. 
In my case, The set-up manager told me that I needed to sign XXXX different sets of documents and return them via email, but she sent me the wrong documents. I completed the paperwork, signed and returned as instructed and no one called for 2 days. On the 3rd day, someone called and said that my paperwork was incomplete and that I would probably still have my wages garnished until I got that to them. He then said that because I did n't have a fax machine the only way to receive them was by overnight mail! I happened to be accessing my bank account at the same time and realized that even though the agreement I made with the set up payment beginning XXXX/XXXX/16 and then on the first of each month thereafter, that I had already been charged for a payment! This is my second issue. My credit card was charged on an occasion OUTSIDE of the agreement that I made with this company. After all this, they still could not confirm that even though I had already made a payment that I will not have my wages garnished because of a problem they created. I spoke with a supervisor and she mailed me the documents immediately, but I still do n't have confidence that I will not be garnished.