davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (IL)

I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time.
Consumer complaint received 2015-10-16
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc. (TX)

In XXXX of 2015 my apartment flooded with raw sewage, management called a plumber whom cleaned the " main line ''. The main line is between mine & my neighbors front doors with no other access to either apt., when the plumber finished there was raw sewage all over the walkway. Management refused to clean/sanitize the walkway, also management did nothing more than shampoo the carpet in the apartment that was affected by the flood. During the time between this event and my moving because of the sewage not being cleaned/sanitized I had to go XXXX because of severe XXXX, the XXXX me as having XXXX. Since moving, the apartments, XXXX XXXX, located in XXXX Tx have contacted a collection agency named Pro Collect that has reported this to the credit reporting agencies in the amount of $ XXXX. I have approximately XXXX pictures that I took on a daily basis to document my claim, these pictures are automatically stamped with date and location. I also have the hospital records showing the date and the XXXX. Any help with this matter will be appreciated.
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (TN)

TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.
Consumer complaint received 2015-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (CA)

I have a XXXX on my house in XXXX Ca. with KeyBank. It is a fixed rate loan for 6.99 % that I have had for about 8 years. I used it for a swimming pool, block wall etc. I never paid much attention but after check I found that the interest charged varies over {$150.00} from month to month. I have tried to contact them numerous times by phone and by their email contact but get no response. Any advice our guidance on this matter would be appreciated.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

ERC is sending me letter asking me to pay for debt that is not mine they have the wrong person ... multiple letter .. from different accounts.. why the have the power to ruin my credit? 
they are a scam ... they dont do the research to check the information. soo unfair!!! i take care of my credit and some careless company just add collection that is not mine
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

Enhanced Recovery Co placed a derogatory on my credit report in XXXX XXXX. I have never been contacted by this collection agency. The only collection agency that contacted me was XXXX XXXX. I received a letter from them on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a letter of dispute via registered mail. I disputed a portion of the bill because I had terminated my service with XXXX XXXX XXXX on XXXX XXXX. They billed me for service from XXXX for XXXX. I was also disputing how they arrived at the past due amount of XXXX. To date no response was ever received from XXXX XXXX. Nor has Enhanced Recovery Co ever contacted me.
Consumer complaint received 2016-04-28
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: ERC (TX)

Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.
Consumer complaint received 2016-06-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

I thought I was getting a payday loan for {$400.00} that would be paid off at a total cost of {$600.00}. The details of the loan were not visible at the time of the loan submission. After the second payment I was able to log into the website to see the fees and the finance charge was listed at {$1900.00}. Though I have paid {$600.00} to date, there is still a pay off balance of {$600.00} due if I want to avoid the full finance charge. That is still far more than I was made aware of at the time of the loan submission. I will attach the document that was available on the website after my second payment in late XXXX 2016.
Consumer complaint received 2016-09-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (GA)

Hi. I took out a XXXX dollar loan with Big Picture Loan on XX/XX/2016. The bill was due on XX/XX/2016. for {$1300.00}. When I deposited my check, my bank put a hold on the money until XXXX XXXX. On XXXX XXXX, I went to pay the total loan off but did not have access to pay the amount online. I called the XXXX number and the first representative said they were going to charge me a {$350.00} nsf charge. I told her that the money was in the bank and I did not know they were going to place a hold. I told her that I wanted to pay the total balance on my account which was {$1000.00} for the loan, {$350.00} for the finance charge, and {$20.00} fee. which was a total of {$1300.00} She told me she needed to transfer me to the solutions agent in order to make that payment. When the solutions agent was on the phone he said the {$350.00} fee was not a nsf fee but a new finance charge for my next payment. IT was at this time that my payments were biweekly when they told me it would be a monthly charge. I did not know that they would charge me a XXXX charge every two weeks. I told the agent that if i am being charged biweekly the next payment is n't due until XXXX XXXX. I told him I wanted to pay the entire balance off, it was only 8 days late. He refused repeatedly to accept my card over the phone and stated that he would only accept a XXXX payment first for the finance charge and then the XXXX payment. I told him that I am not paying for a fee that is n't reflected on my account. I took a picture of it and it has a date and time stamp. He continued to refuse to accept my payment to pay off the loan. I then asked him for the address to send him the certified check. He said that I may incur more fees. I told him that I should not be responsible for any fees if you are refusing to accept payment in full over the phone.
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NJ)

i was trying to buy a car, this is how I find this deb that is not beyond to me, I been disputing this with the collection agency for more than 2 months with no answer about my situation, every time I call them they put me and hold and disconnect my call, about a months ago they send me a letter saying that I ask from all credit bureau to remove the collection from my report, XXXX and XXXX did already but im still having it on XXXX which its been impossible for me to remove it, I never had a XXXX before,
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

I have been with sprint for over 10 years and been very satisfied with their service. till recently after I pulled up my credit report and noticed a collection account from a company called ERC trying to collect for an unpaid XXXX account. I have disputed this account with the credit bureaus and as well as with ERC. and as of this date no respond from ERC. I had sent to them my police report as well as my identity theft report still no respond.
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Dear CPFB : A few months ago, I contacted both Navient and the Consumer Financial Protection Bureau regarding a sudden increase in my student loan payment instead of a payment adjusted to what I earn. I then spoke with a Navient representative, who said they would " forgive '' the month for which they charged a full payment and revise my monthly payment based on my current income. 

Even though I have continued making payments per our agreement, I continue to get notices and daily phone calls with the same recorded message ( sometimes several times a day ) telling me to call them ( which does no good because I just get the same recording ) or that my account is overdue. Last night, when I tried to make an online payment on my cell phone, I was unable to change the amounts from the higher amount, which I can not afford to pay, to the lower amounts, which we agreed I would pay for now based on my income. 

It seems to me that different branches of Navient are not communicating with one another. Would you please direct them to straighten out their records? 

Thank you. 

XXXX XXXX
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

On XXXX/XXXX/05 we took a Tuition Answer Private Student Loan thru XXXX XXXX which has since been sold / serviced by Navient. We have just discovered that my daughter, the STUDENT, is listed on this loan as a co-signer along with my wife. I have asked Navient to remove my daughter as she should have never been there in the first place because she was the student. My credit has had some damage in the last few years due to caring for ill, dying parents ( which I informed Navient with my release request ) and they have denied releasing her. I have asked for copies of the original paperwork showing my daughter, the student, put on this loan as a co-signer and I have had no response from Navient as of today. I think that a paperwork error was made at the onset. Only recently, when my daughter tried to refinance her own student loans did we discover this problem. The people at Navient do not know what they are doing, and not willing to help. they read from a script and are unwilling to take an extra step. I have been dealing with them for years on deferrments, forbearances, postponements, etc. and have had nothing but misery trying to deal with these people. I just want my daughter 's name removed as a co-signer. My wife will remain as a co-signer.
Consumer complaint received 2016-10-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (TN)

Car was repossessed in 2009. The account went to a collection company which I paid. Now currently, Jefferson Capitol has recently added the debt to my XXXX and XXXX credit files. I have never heard of or received anything from this company. I paid a different company back in 2009. This company just re-aged a paid account from another debt company and reported it on my credit which I know has to be illegal.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (HI)

Purchased item from XXXX XXXX catalog that was defective. Called company and returned item via mail. Received a statement, called and explained that this was taken care of. Never heard from them again. Couple of years later ( 1-2 ) I received a letter from a debt collection agency, the above one, called them once or twice and write letter. Never received response, assumed it was cleared. This should be cleared from my history.
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (OH)

these bills were made when I was taken by the XXXX to the hospital for XXXX. I was found to be legally XXXX XXXX/XXXX/2011 and recieved medicaid that paid all my medical bills up to two years before I recieved medicaid. I also filled out the hospital charity form that was supposed to pay as much as XXXX % of the bills. As you can see by the differant dates I went to the hospital more than once and filled out that form each time. I submited the bills to medicaid.
Consumer complaint received 2015-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Adjustments Inc (OH)

The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. 
I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. 
FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. 
SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. 
It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. 
THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. 
My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.
Consumer complaint received 2016-12-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (FL)

I have many loans from private and government and I was very young when I started with this school loans. after a few years companies sell my loans to different lenders and the interest goes high. I never had a complete understanding of the type of interest I would pay down the road. To make things worst I started a degree on a university and left school for few years and when I came back to finished the degree was no longer available so had to get a XXXX degree unless I wanted to pay more towards a new degree. I do not have a steady career and i am currently jobless with a XXXX XXXX dollar debt.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. ()

I originally was signed up for XXXX through my student financial aide representative at a private, for-profit university. When they switched over to Navient, I had just recently finished my degree and had begun to make payments. Since then, I took a job in XXXX by obtaining a work permit. Since I 've moved up to XXXX, it has been incredibly difficult to pay my loan payments on time. I 'm now being paid solely in XXXX currency, and have been wrestling with a tough conversion rate as well. The main problem, however, comes in the fact that they make it very difficult to pay using XXXX currency. I have been told many different things by different representatives at Navient. The most often recommended route is to get cashier 's checks over the border in the US, and then pay to mail them in every month. To me, this is an absolutely unreasonable request. This has forced me to borrow money from friends and family 's accounts in the US to pay for my loans, and has become an impossibility. This has caused me to miss payments and caused hits to my credit. Overall, the process seems overly-difficult and predatory.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (AZ)

I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA