davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TN)

On XXXX/XXXX/2015, Wells Fargo had charged me XXXX in overdraft fees, and and I had 30 days to pay off the account instead Wells fargo took the XXXX from my other account and settled the overdrawn account, and the 30 day time frame was not up. Which I was misinformed about how to close the account. I was not given the proper procedures. This is the second issue I had about Wells Fargo and their overdraft fees. The account was supposed to been closed in XXXX 2015, but as of today I found out that Wells Fargo did not closed the account. I called a rep on XXXX/XXXX/2015, little did he wanted to do anything about it. The company is in denial.
Consumer complaint received 2015-07-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (FL)

This account was paid by me even though I was not provided any proof that I owed the debt and then they placed a statement on my credit file that is not true. " Paying under a partial payment agreement '' This statement is not true. I asked them to provide me the name and address the doctors, the date and type of medical care, and to who the medical care was provided. I also want to know who is providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Also, my insurance company told me they paid the whole amount of the debt. They have violated the Fair Credit Reporting Act.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX SC XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

Lender : Bayview Loan ServicingLoan # : XXXX would like to report a fraud committed by Bayview Loan Servicing Company. 
My initial loan servicer was XXXX XXXX and I was working with them for the long time to get my loan to modify and get affordable monthly payment. I was provided them all required documentations. 
In XX/XX/XXXX, when I was in the process of loan modification review and trial payment plan, XXXX transferred servicing of my loan to Bayview Loan Servicing. According to the HAMP/MHA and Servicing Disclosures they were obligated to transfer all my financial documentations regarding my loan modification. But, as I found later, they did not provided to Bayview Loan Servicing copies of my bankruptcy discharge papers, which took place back in XX/XX/XXXX, and I was provided to the XXXX copy of this document. 
On XX/XX/XXXX, I was approved for permanent loan modification by Bayview Loan Servicing, copy attached. As per the instructions, I notarized XXXX copies, and mailed back to the bank, and began paying my new modified payment as of XX/XX/XXXX. All my payments were done on time over the telephone, and bank never told me that my loan modification is canceled. 
Suddenly I received a letter from Bayview Loan Servicing that my loan modification was canceled due to not providing to the bank prove of clean title, and I supposed to be still in the bankruptcy. I contacted the Bayview Loan Servicing and they told me that I never replied to their request to provide clean title documentation. I never received any letters from Bayview Loan Servicing requesting the prove that my bankruptcy is discharged. They told me that letter was sent to me by XXXX, but they could not tel me when or provide me with the prove of tracking number receipt. 
During the conversations with Bayview Loan Servicing representatives I was told that they do not care and my permanent modification is canceled, and my loan is referred to foreclosure department. Also, they returned my last payment through XXXX, XXXX XXXX XXXX, XXXX, copy attached. Bayview Loan Servicing representative told me to re-apply for new loan modification. 
I found this actions by Bayview Loan Servicing in violation of Bankruptcy Law, even if borrower in the bankruptcy the servicer is required to consider loan modification application without requiring you to reaffirm, or reinstate, your personal obligation on any discharged mortgage debt. 
I can not start this process again after years I spend to get my permanent loan modification. 
I 'm requesting to re-instate my permanent loan modification was approved and accepted on XXXX. I 'm requesting to re-instate all my monthly payment and bring my account current.
Consumer complaint received 2024-09-01
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CT)

Yesterday I received a letter from a mortgage company informing me that my credit history had too many " delinquencies '' and othe negative items that lowered my credit. All XXXX credit agencies supposedly reported these issues. Last night I filed a complaint about XXXX. Tonight my it 's Experian.I had received my free report from them a few months ago and except for XXXX incorrect address, it was good and accurate. I asked to see my report again to find out what is going on with my credit, and the website charged {$1.00} to get a report. Now I received an e-mail from them " congratulating '' me on joining their " credit protection '' service and that after 7 days, if I did n't opt out, I would owe them {$29.00} a month! 
Here is a copy of my response : To : Customer Care & lt ; XXXXXXXXXXXX & gt ; Dear Experian, I did not order this credit tracking product and I want to cancel it NOW. Your program is misleading. It did not clearly state that by sending you {$1.00}, I would be subject to a $ XXXX monthly fee in 7 days. Your " opt out '' in seven days is hardly enough time for the poor unfortunate who does n't catch that clause in time. I am reporting you to the US Consumer Protection Bureau. 

- XXXX XXXXPS : I do not appreciate your falsifying my credit report with damaging information that bears no resemblance to the same credit history that you sent me just a few months ago.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (HI)

In XXXX we filed for Chapter XXXX bankruptcy our current mortgage was withIndymac bank. Current mortgage loan was discharged and loan was sold to Ocwen mortgage in XXXX we made mortgage payments to Ocwen for 7 years. InXXXX XXXX we wanted to refinance our loan because property value wentup and we wanted to fix up our home. Shortly after there was no loan under arename and no original mortgage note could be provided. Spoke with Ocwenmanagement and everyone gave us the run around and told us our loan doesnot exist. I asked Ocwen management why were they taking our mortgagepayments and they replied to me " why was I paying them '' soon after I fileda R.E.S.P.A QUALIFIED WRITTEN REQUEST in XXXX XXXX. Ocwensubmitted documents but we are still missing XXXX items out of XXXX. We recentlyreceived a letter from XXXX that they are our new mortgage holders. Ocwenhas not complied with the R.E.S.P.A QUALIFIED WRITTEN REQUEST andloan was sold to XXXX in XXXX XXXX, XXXX.
Consumer complaint received 2015-07-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (VA)

Although I took my daughter to XXXX, on XX/XX/XXXX we left his office before any service was provided due to lack of hygiene XXXX general bad hygiene practices and inappropriate office practices ( inappropriate magazines in the children 's waiting area ). Immediately following the experience, my XXXX insurance company suggested I file a complaint with the Virginia Department XXXX XXXX XXXX. The case number is XXXX. Although XXXX XXXX XXXX provided NO service at all, his office fraudulently charged my supplemental XXXX plan and collected money for service he did not provide. Additionally, he has been fraudulently billing me {$14.00}. When I received a collection letter from Transworld Systems , Inc on XX/XX/XXXX I immediately tried to call Transworld. I tried several times, but was disconnected when I opted to speak with a representative. When I received another letter dated XX/XX/XXXX I attempted several times, again, to reach a representative with Transworld. On XX/XX/XXXX, I finally gave up trying to reach Transworld, and I called XXXX office directly to dispute the validity of this charge. I spoke with XXXX XXXX and also XXXX XXXX. XXXX XXXX called me back shortly after I spoke with her on XX/XX/XXXX and indicated that XXXX XXXX XXXX would not be pursuing collection, however, today, I received another Transunion Statement dated XX/XX/XXXX.
Consumer complaint received 2015-07-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NY)

I had an account with Paypal for years and because of their service I have occurred XXXX in bank fees. This is because of Paypal 's Instant Transfer policy that customers are forced into by providing a bank account number. I have been given paypal credit and their method of increasing credit is through purchases, however in this very process of seeing whether one can receive a credit increase if it is denied without your knowledge your bank account will be charged through their Instant Transfer policy.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a problem with Bank of America credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Bank of America has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard " 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a " case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MN)

XX/XX/XXXX, XXXX lost her salaried job and she was unable to find similar employment therefore our income reduction caused us to be late on our mortgage payments. 
XX/XX/XXXX, we were barely behind and were attempted to make payment arrangements, however Citi proceeded with foreclosure proceedings causing us to incur legal fees. To resolve this, in XX/XX/XXXX we entered into a repayment plan with Citi Mortgage from XX/XX/XXXX to the final payment in XX/XX/XXXX. Later we would receive a refund for a legal fees under the Independent Foreclosure Review because of Citi 's actions. 
We were lead to believe we would be eligible for a loan modification upon the completion of this plan, however Citi did not complete this. Instead, we fell behind on our payments again, and entered into a repayment agreement from XX/XX/XXXX to XX/XX/XXXX after which we modified the terms of our mortgage by extending the term. 
Please review this information to determine if the reporting of these payments can be updated to reflect that we paid the payments as agreed.
Consumer complaint received 2015-07-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I received a check in the mail from my mortgage servicer stating that I did not send enough to re-instate my loan. I have been sending them money on a regular basis since I regained employment. I am trying to catch up on my payments as fast as I can. Why are n't they accepting this payment when they accepted previous payments and payments since this payment? Help me stay in my home! I 'm desparately trying to catch up on my mortgage that was already modified once!!
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXX XXXX {$0.00} ; XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Van Ru Credit Corporation (MD)

Van Ru keeps calling me and mailed me a bill I do not owe from XXXX XXXX Hospital XXXX on a patient named XXXX with whom I have no association and have never heard of. I have never been a patient of XXXX. They had my name, address, birthdate, phone number, and possibly more. 
Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-30
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC (CA)

nationwide west LLC ( Illinois based loan company ) has been calling my business phone up to XXXX times per day from various listed and unlisted phone numbers from every state regarding a less than 30day late missed payment. ridiculous and harassing! they even call people I know asking them to forward me a message to call them back! talk about crossing boundaries!
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage. I looked up Nationstar online and read all of the horror stories about how inept of a company Nationstar is. So I refinanced my mortgage with XXXX XXXX and the process went smoothly. XXXX paid my loan off on XXXX XXXX. I was told many conflicting stories about when I would receive a check with my escrow balance when I called their support center multiple times. I was told my balance was cleared to be sent on the XXXX and a check was mailed on the XXXX that I never received. They will not send my check by certified mail/XXXX/XXXX with a tracking number and they wo n't wire my money to me. They are purposely sitting on my escrow balance of {$1800.00} and wo n't send it to me.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC has added {$150.00} to a collection reporting on my credit report. I have contacted and spoken with many representatives with this company in regards to the increase, none of which can explain how this increase was calculated and to what the contractual interest rate the original account was opened with thus preventing me to properly dispute the charges.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian refused to take or remove an account from my credit. I received a letter stating that it was not removed but did not find out why. I am disputing this because the XXXX account number ( Partial number ) XXXX would not take my money for payment I went in to pay on my bill but they would not accept the money because it was a partial payment and that was all I had. I spoke with the manage and he gave me the run around and spoke very bad to me. I did not know what else to do I. never got resolved with this store now they place it on my account on credit report and added a lots of extra fees on top of the original bill never going to collection to my knowledge. I informed Experian and nothing has been done to resolve this matter. please help me regarding this matter.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists XXXX accounts as a charge-offs, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report accounts correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to the present.
Consumer complaint received 2015-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CA)

I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My loans transferred from XXXX to XXXX in XX/XX/year>. XXXX was paid off XX/XX/year>. They refuse to remove the balance from my credit report. I have the same account in my credit report twice. This is causing my debt to income ratio to be very low.