davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I have owed our home for a long time. In XXXX we refinanced our home with XXXX XXXX on a loan which was not explained to us and all we knew was is was an adjustable rate mortgage. Later our loan was sold to Wells Fargo. We were making our payments and everything seemed to be fine until our payment went from what was tight in the first place at {$1600.00} to over {$1900.00}! We called Wells Fargo several times to see why our loan payment went up but they would not return our phone calls. We looked at the impounds and it was not due to an impound shortage, it showed the payment went up because the interest was way up over 8.5 %, which did not make since as the fully index rate could not be that high. Our real estate agent looked over our papers and could not understand HOW a neg am could be at margin plus index and be over 8 % in this market. We tried to get a modification but BECAUSE WE HAD equity Wells would not work with us. I am sure a servicer is suppose to return a home owners phone calls which they did not, not until we were so behind in our payments that they sold our loan and did not inform us of the sale of our loan or who would be servicing it. We are now about to lose our home and the offer to us for a modification was still a rate over 8 %, We feel Wells Fargo should not be allow to continue servicing loans as they take advantage of ill informed consumers. In additional we understand that the neg am we have should have been modified by Wells Fargo but non of the consumers who were suppose to be modified due to a class action law suit never did due to a loop-hole in the settlement.. Wrong and unfair. Please help
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC (CO)

I had a doctor visit with XXXX XXXX at the XXXX XXXX on XXXX XXXX of XXXX. On XXXX XXXX XXXX the XXXX XXXX sent out the bill to be paid. My heath equity company received the bill on XXXX XXXX XXXX. I then process it in my account to be paid and a XXXX card was sent to the same XXXX XXXX that other payments have been mailed to from XXXX XXXX. That XXXX card was sent out on XXXX XXXX XXXX, that payment was never processed by the XXXX XXXX or XXXX XXXX. On XXXX XXXX XXXX my XXXX XXXX company saw that payment had not been processed yet so they issued a check and sent to the same XXXX XXXX XXXX They check was never processed by the XXXX XXXX or XXXX XXXX. The XXXX XXXX issues all bills to AR Services after they have n't been paid. AR Services contacted me via phone and sent me mail that I had an outstanding bill to be paid. I contacted them several times saying this bill had been paid that the XXXX XXXX had been issued a payment and gave them the date of XXXX XXXX XXXX that it had been mailed. They were supposed to be in contact with the XXXX XXXX to confirm they had received payment. To my knowledge this had been taken care of. On XXXX XXXX XXXX I had my credit pulled to be pre-qualified for a home loan. It showed on there that A1 Collections had two different collections on there for {$130.00} not being paid to the XXXX XXXX for that doctor visit. If it were n't for me trying to be pre-qualified I would have not known that I had been sent to collections. I contacted A1 services that same day to ask about this and ended up paying the full amount to settle it. I have attached documentation that XXXX payments were sent from my health equity account for this to be paid back in the beginning of the year.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delinquencies which occurred XX/XX/XXXX and XX/XX/XXXX have been re-aged, and are being illegally reported well past the Statute of Limitations for reporting negative credit information. I contacted TransUnion in writing ( proof of mailing and delivery receipt attached ) on XX/XX/XXXX, and again on XX/XX/XXXX regarding an accusation of re-aging a total of XXXX accounts from former student loan debts ( now paid in full as of XX/XX/XXXX ). On both occasions, I requested copies of my Consumer Disclosure files to obtain concrete evidence that my debts had been re-aged and were being reported illegally. 
Both requests for the documented payment history in my Consumer Disclosure files have been ignored, and the accounts erroneously " updated '' without any written proof of verfication whatsoever. A total of forty-one ( 41 ) missed payments are being illegally and improperly reported as of this date, XX/XX/XXXX. This has hurt my ability to obtain credit, and I continue to suffer damages as a result of this illegal activity by TransUnion.
Consumer complaint received 2017-07-28
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (LA)

I am filing a complaint on Ocwen Mortgage. On XX/XX/XXXX my ex-husband, husband at the time, and I purchased a home through XXXX XXXX for {$70000.00}. On XX/XX/XXXX we sign paperwork to sale the home with assumption through a lawyer to someone else for {$67000.00}. We asked the attorney at the time if we would still be financially obligated on the home and he stated that this would release us from financial obligations. XX/XX/XXXX, I found this company, Ocwen Loan Services, on my credit report. Since I never heard of the company I thought I would give them a call. I spoke with XXXX XXXX, Agent ID # XXXX, who told me that I was not authorized on the account. When I told her that they were on my credit report which gave me authorization on the account, she asked for some personal information to confirm my identity. She was then able to find my name in there system along with my ex-husband. XXXX XXXX stated that we were still financially responsible for this home/loan. She could not explain to me why we were still on the account, so I requested someone who could. I was then transferred to XXXX XXXX, XXXX ID # XXXX, Escalation Manager. XXXX XXXX researched the paperwork and stated that she did not know if the assumption was completed or not, but she did find the assumption paperwork and did not know what type of assumption it was. I asked XXXX XXXX why my ex-husband and I were still on the account when he nor I had no knowledge of it. I also stated to XXXX XXXX that even if we were still financially obligated, unbeknown to us, our financial obligation would have ended in 30 years, since it was a 30 year mortgage. Therefore I wanted to know why this information was showing up on our credit report after 30 years when it never showed up before now ( Of course when I informed my ex-husband about the account, he had no knowledge of it. He then checked his credit reports and found the Ocwen Loan Services were on his credit reports as well ). Our 30 years would have ended in XX/XX/XXXX according to our initial mortgage note. Therefore why is it showing up after all these years for the first time in XX/XX/XXXX. Since we sold the house with assumption in XX/XX/XXXX according to our paperwork, why is it showing up on our credit report with a balance of over {$43000.00}. We never signed anything other then the Sale with Assumption in XX/XX/XXXX. XXXX XXXX stated she did not know what was going on w this assumption and she would have to send the paperwork to the Loan Department for them to review and they would get back to me. Currently I 'm still waiting. If there is anything we can do to clarify this issue, please let us know. Whenever we talk to the company we always get a different person and end up with the same conclusion, no one knows what 's going on with this assumption and we are not authorized on the account. But we are still financially responsible for this loan according to Ocwen Loan Services.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NC)

1 ) American Medical Collection Agency is attempting to collect {$230.00} for services I never received. The amount in dispute stems from a botched XXXX XXXX conducted by XXXX XXXX, in which improper procedures were followed and the results were invalidated. This resulted in my doctor having to order additional XXXX XXXX with another company and additional expense to myself. Both myself and my doctor 's office have attempted to resolve the matter with XXXX XXXX Directly. Upon each attempt to speak to representatives by telephone, we found their customer services agents completely befuddled and unable to cope with a simple request of correcting an erroneous bill. Due this absolute ineptitude on the part of employees at XXXX XXXX, the " usual procedure '' of " rolling '' unpaid medical ills into debt collection in order to intimidate payment out a consumer has occurred. However, the company has an obligation to only bill for services it actually has provided as well as correct bills that resulted from botched testing ( in which test results were found to be obviously invalid ). a ) The specific problem with the testing was 1 ) my doctor ordered two XXXX XXXX that were to be repeated 7 days apart to determine my reaction to a XXXX By XXXX 's mistake, both blood tests were done at the same time ( the same tests were performed at the same time ). Yet, the results of these two tests were wildly different, despite the fact that they were made from the same blood taken at the same time. So, XXXX botched the XXXX XXXX in two ways, and both myself and the doctor 's office have asked that they remove these charges from my bill. 2 ) I have explained the problem in letters to both XXXX XXXX and American Medical Debt Collection Agency.  Both of my letters on this matter have been completely ignored and not responded to by either firm. 3 ) After receiving an initial letter from American Medical Collection Agency, I requested verification of this debt. They have failed to provide this in violation of state and federal law. They did respond to my new address and by providing me a copy of their permit to collect in N. Carolina ( which is evidence that my letter requesting debt verification and request was received by them, yet ignored ). 4 ) The XXXX/XXXX/XXXX debt collection letter I received from American Medical Collection Agency contains illegal bullying tactics in that it has the phrase " Credit Record Reporting ... ..Credit Record Reporting '' printed in multi-color ink running vertically along the right hand side of their letter multiple times. As you know, Federal Law does not allow for the credit reporting of illegitimate medical debt, and such reporting can also not be attempted by law until at least 18 months from the transaction date.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (CA)

Central Finl control has failed to validate medical debt they 're claiming I owe. I initially sent a debt validation request in XX/XX/XXXX, followed up with a certified letter asking them to validate this debt again. They have failed to do so up until this point. The debt was reported XX/XX/XXXX for XXXX and again XX/XX/XXXX in the amount of XXXX for services rendered at XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I leased this vehicle from Mazda Capital Services- Chase The lease ended on XX/XX/XXXX The car was returned on XX/XX/XXXX, directly to the dealership as instructed by the leasing company. The vehicle was pre-inspected, and I received the estimated wear and tear charges. As of today, the online account shows a late payment and a late payment fee for a lease that already ended and money that I do n't owe. I already called seven times, and they keep apologizing about it and refuse to email me a confirmation. In the meantime, my credit score dropped 15 points due to the late payment.
Consumer complaint received 2017-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

Filed a dispute with Experian asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. XXXX removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} Account control bureau has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

The site " XXXX '' is a self service debt collection platform. It is owned and/or affiliated by Fidelity Capital Holdings , Inc ; Fidelity Information Corporation and other corporate obfuscations. I received a " Collection Notice '' as initiated by the " Creditor '' ( XXXX XXXX ) dated XXXX XXXX, 2017. The letter was generated by using the " XXXX '' website that allows virtually ANYONE to report a consumer debt, in any amount. The letterhead of the Notice states the company name " Fidelity Information Corporation ''. This creditor using this Debt Collection agency 's online site by a means of extorting or " ruin my credit '' and is being allowed willfully by the Debt Collection Company. There is NO oversight for consumers by this website. Virtually ANYONE and WITHOUT a court ordered judgment or social security number, can make grotesque claims of debt owed and impair a consumer credit report and score. This creditor is demanding I remove an online review or " suffer '' credit consequences at an amount that is severely overstated. It is outlandish and should be in violation of the law. The CFPB has yet to provide ANY oversight to Debt Collectors that allow anyone ( John Q Public ) for a fee, report ANY debt amounts, including fictitious, that is ONLY validated by the any creditor ( individuals, businesses, anyone ) that can be used to perpetrate extortion! This is no oversight.
Consumer complaint received 2017-08-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (IL)

Halsted Financial Services ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and Halsted Financial Services has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I made a purchase on my Chase credit card that was flagged for fraud.
I received an email from Chase that asked if I recognized the charge with the following language under the yes section : Do you recognize this charge?
Yes - Your card remains active.
- If a purchase was declined, you will not be charged unless you try again.
The charge was for a different amount than the merchant bill and as soon as I saw the fraud flag I believed the merchant was not legitimate but I clicked yes as I did recognize the charge and still had the card in my possession relying on the following language " If a purchase was declined, you will not be charged unless you try again. ".
Later that night this merchant put through a charge for a different amount with no additional action on my part and Chase allowed the purchase to proceed.
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AZ)

From a dealer, I purchased a vehicle. At the time, I had a XXXX average credit score. Salamander Consumer USA levied a 22 % loan for {$17000.00} loan. The payment on this loan, turns out, is too much for me. I am privileged to information that this Bank has several branches in XXXX. Now, the PESO is of a price that the assets Santander are 50 % undervalued, therefore, they have, essentially doubled the usual interest rate for a XXXX Score. It is miserable dealing with a Foreign Bank. Santander is a XXXX bank with offices in the US. Everybody says that the interest is too much for my score ... .NEVER DEAL WITH FOREIGN BANKS!!
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (NY)

I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company now.
Consumer complaint received 2017-08-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (IL)

XXXX XXXX XXXX ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and XXXX XXXX XXXX has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

On XX/XX/XXXX PHH mortgage issued an escrow account analysis which indicated that the escrow account for my mortgage had a surplus, as defined under 12 CFR 1024.17. The escrow account analysis also indicated that payment of the surplus would be refunded directly to me rather than credited against future escrow payments. The escrow account analysis stated that a check for the amount of the escrow surplus would be mailed within 20 business days. As of today, XX/XX/XXXX, I have not received a refund of the escrow surplus. On XX/XX/XXXX I spoke with a customer service representative of PHH mortgage and informed them that I had not received the escrow surplus refund. The gentlemen I spoke with immediately informed me, without appearing to conduct any investigation into my specific situation, that a check would be issued and mailed to me that week.