davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BWW Law Group, LLC (MD)

XXXX same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, XXXX, BWW XXXX Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors BWW and conspirators named XXXX, BWW, XXXX, BANK XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, XXXX, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by XXXX prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure XXXX law XXXX Firm Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a {$3.00} XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX Firm 's Motion to Dismiss in the case Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund millions to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
Consumer complaint received 2015-04-01
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: MNE Services, Inc (IN)

Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC (GA)

I sent out a Creditors Verification Letter accordingly to the Fair Debt Collection Practice Act. The company was not able to verify the debt belongs to me after I sent out the letter I never got a response within the thirty day time frame ( 30 ). I am providing you a copy of my Creditors Validation Letter and the USPS Mailing information with the dates. You will be able to see that it was delivered on the XXXX XXXX, 2016 and I never heard from them since.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CONTRACT CALLERS INC (IL)

XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
Consumer complaint received 2016-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (KS)

contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you
Consumer complaint received 2017-01-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (DE)

Contact the hospital like I asked them but they refused to see I do n't owe any money never did the hospital bill was paid but they switched payment systems so they put my money in the new system which it should have applied to old system. Remove this from my report immediately l
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

Saw collection item on my XXXX report only. Called Transworld Systems , Inc and was told that is n't me, they would remove. They did n't. today when I called again they said I should fax the page from my XXXX report with name, SSN, Address, copy of military ID and phone number, with dispute reason. I have tried 10 or more times and fax number they gave me does not go through. Now phone number I used previously does n't go through either.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

I have been trying to lower my payments since 2014 with Navient. I have always sent the right information and filled out all forms while on the phone with a Navient representative. Each person I talk to says my information was never received and I get a completely different pay back amount each time. I can not afford {$1300.00} a month to repay these loans. I have tried to explain what I can afford but no one seems to want to help. So instead they always put my loans in deferment. I am now having to pay back loans that originally where {$80000.00} and now are almost {$90000.00}. You can never speak to someone who is willing to help they just simply say you either pay or they will come after you.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Navient has incorrectly set up autopay on my student loan account 2 times due to agent/ representative error. I spoke with an agent on XX/XX/XXXX who suggested that I set up the auto pay and make payment online to avoid any agent error. I made a payment and set up auto pay XX/XX/XXXX. After getting a credit report alert that my credit score dropped XXXX points due to a 90-day past due reporting from navient, I called the company asking how this happened when I set up autopsy 2 times in past and just made a payment online through their company website. I made this call on XXXX. I spoke with an agent who stated that the autopay payments were rejected by my bank, noting the account did not exist. I then explained that the last payment on the account was made with the same account which is an account my employer, XXXX deposits my checks in. A supervisor then spoke with me, apologized and asked for the account routing number and account number I gave for the auto pay. I told him what the account and routing numbers were 2 times when he finally told me that the agents who set up the auto pay mixed up the numbers in my account whiched caused the auto pay set up to fail and be rejected by my bank. Due to their agents mixing up my account numbers when setting up auto pay, and a faulty online payment system, my account still shows as past due, even though I have proof of payment made and accepted by the company XX/XX/XXXX and XX/XX/XXXX from my bank with the same account number, 3 failed auto pay set up due to agent error, and a credit score which has dropped XXXX points bringing me from the XXXX 's to the high XXXX 's a poor credit rating after being reported 90-days late due to their agents/company error.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I have been set up for automatic debit payback. At the beginning of XX/XX/XXXX it said I should be paid off by XX/XX/XXXX with only XXXX dollars left. XXXX did I know they were skipping payments and saying some months I have not owed anything for the month. In part I think to extend the loan and collect more interest. When I asked them they said oops we 're sorry it must be a glitch. We will take care of it for you. Now this year as of today I owe XXXX and have an estimated XXXX. Now something does n't add up because If payments were being debited I would have had more than XXXX dollars off the loan because my payments are XXXX dollars
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.
Consumer complaint received 2017-02-13
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kramer & Frank, P.C. (MO)

I have a judgement from Kramer and Frank PC for a vehicle purchased for XXXX thru XXXX XXXX from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XX/XX/XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been XXXX with a XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, XXXX does not even have a record or account with my name on record anywhere.
Consumer complaint received 2015-07-08
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC (SC)

I called to speak to someone regarding my past due student loan, the rep proceeded to ask my information including my place of employment which I gave him but I did not give him the phone number of my employer because I clearly stated " I can not receive personal calls of ANY TYPE '' he argued with me stating that they would n't call they just need the number, I again said I was not going to give that information. I was unable to complete the call at that time because I was on a time restraint and said I would contact them back later that week. A few days later a rep called me at work when I was off, which means whoever called took it upon themselves to not only call after I CLEARLY stated not to but to also LOOK UP the phone number to my employer because I would not disclose that information. I called them back and spoke to a supervisor who apologized and said it was against policy to call my employer when I had asked them not to and the rep that did so would be reprimanded and it was a mistake. I was very upset and again the issue at hand had not been resolved regarding my loan. This company has since called my employer TWO more times. I called them back and explained AGAIN that they CAN NOT call my employer and the rep told me he did not see a note on my account until he had already called and that by law they ca n't call if there 's a note so they would not be calling again. I have already been reprimanded by my employer multiple times regarding these people continuously calling. I explained I could lose my job over this after the first time they called yet they called again 3 more times. Obviously my request is not being taken seriously and this was my last resort to stop it.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OR)

I was appointed my siste rs POA an d advised by the court I was not responsible for her. Debts. This was also confirmed by   Dept. Of Human Services.
Regardless I personally was sent to collections without my know  ledge without past due or contact for 2 years by the facility she resided in for approx 4 monthes.     I requested detailed confirmation of what charges were for and why I was not contacted. That was over a month ago. The information I did receive was a copy of the contract no dollar breakdown or dates trying to contact me. This was sent signature required upon receipt to both collection agency and facility i over 30 days ago with no response.     The facility was   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   Or.  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Pa  XXXX  accent ref #  XXXX
Consumer complaint received 2016-05-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Data-Central, LLC (CA)

This account was disputed and removed in XXXX 2015 and reappeared on my credit report as of XXXX 2015. This account is well over XXXX years old and a new company is trying to collect on it and increased the amount owed by 50 %.
Consumer complaint received 2022-10-01
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. (NC)

On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I have made my monthly payments as scheduled and above the monthly minimum. The monthly Minimum was XXXX because I was on an income based repayment plan, and I have been paying {$2000.00} a month. I have applied for a higher minimum payment based on new income, but that is still in processing. I have not missed any payments. Navient reported to the credit bureau that I missed payments on XXXX loans. Two separate Navient representatives I spoke with agreed with me, and told me that if I sent in a copy of my credit report, and my payment history the marks on my credit report would be removed. After sending the information, Navient informed me that they would not remove the charge from my report.
Consumer complaint received 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (KY)

Edfinancial last reported my loan on XX/XX/2022. On XX/XX/2022, my loans were transferred to XXXX. My Edfinancial account balance is XXXX ( I can't even log into their system ). Edfinancial has failed to report the XXXX balance to the credit reporting agencies since it was transferred in XXXX. Thus, it appears that I have outstanding loans through both XXXX and Edfinancial totalling approximately {$100000.00}, double the approximately {$50000.00} it should show ( I got word last week that my student loans were forgiven under PSLF but XXXX hasn't had time to update yet ). 

When I contacted them, Edfinancial tried to state that it only appeared to be open due to how tradelines are reported but an open account is not the problem. The problem is that my debt balance is double what it should me.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Rent Recovery Solutions (NY)

I moved out of an apartment in XXXX. I paid for rents due after going to court with the landlords. I have money orders to prove I paid them in full. A couple months after I left they sent me to a rent collection agency. 
I was n't aware of this debt being active and saw this reported on my credit report before they even wrote to me to inform me or give me the chance to dispute this. I was furious and contacted the company right away. I told Rent Recovery Solutions I paid in full and can prove it. Rent Recovery Solutions did not care or listen. They were so rude to me. I told them they should not report false information and did n't warn me. 
They said they did n't care what I am saying and denied me my rights. 
After disputing with them without response, I tried to dispute this with the XXXX credit reporting agencies. All three credit reporting agencies claim the debt was verified. I wrote to the credit reporting agencies and send my proof of payments. Still they credit reporting agencies and Rent Recovery Solutions are not acknowledging my payments. I need this to be corrected and removed. I should not be forced to pay this debt again because of their gross non compliance with credit collection activity. 
I need to take care of this since it is preventing me from obtaining a loan for my business. This is unfair and it has been months since I have been trying to fix this. Please help me.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NJ)

Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard