davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (WY)

I got a bill from HCFS Healthcare Financial Services LLC, XXXX BILLING CENTER, XXXX , XXXX, OH XXXX The bill amount is {$38.00}. 
It says that the bill is for services provided to me at XXXX. It does n't say when what kind of services. The bill does n't show which location exactly the services was provided to me, it does n't mention any city name and neither does it spell right the name of the hospital correctly. It does n't say the date that service was provided to me. 
The bill looks fake because I always get bill directly to my Hospital account. I called billing service of my hospital, the billing services told me that I do n't owe them any bill at all and they always post bill at my hospital account billing summary. They do n't send third party to collect my hospital bill. 
When I verified with my hospital billing department, they told me that they do n't have any business with HCSF Healthcare Financial Services , LLC XXXX BILLING CENTER XXXX XXXX OH XXXX
Consumer complaint received 2016-12-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XX/XX/2011 we purchased a XX/XX/2011 XXXX from the dealership. The dealership lied about the contract and stated that I would be a cosigner and I actually ended up being the owner and my daughter the cosigner, who had that time had no credit. The dealership inquired XXXX hits on my credit score. I had received an auto loan with Capital One. My daughter and I both lost our jobs and we fell on hard times. The first time the car was repossessed we borrowed money and we paid a little over {$4500.00} to get car back plus added fees that they had added on. At that time we told them that we were still unemployed and the Capital One representative explained that in order to work out another deal we would have to let the car go in default and that we only owed around XXXX. Before the car got repossessed they refused to work out an affordable payment as they had my daughter paying XXXX every week. We lost our place and became homeless and we were sleeping in our car. Recently the car as been repossessed and they have added on over XXXX dollars in fees and they are threatening to sell our vehicle and it has been paid off we are now paying fees that they keep adding on. The car is paid off and we have requested that the dealership send us the original contract so we can prove to Capital one and they can render us our vehicle. I am getting the original contract and I will submit my the proof that I came up with over XXXX to get my vehicle back the first time and there were a ton of fees included in that as well as the letter they just sent me which was all fees over XXXX XXXX in fees. We have paid so many fees to Capital One during our XXXX and the XXXX has been paid off!
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (AL)

My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested. 

Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Thank You, XXXX
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (TN)

My home was wrongfully foreclosed XX/XX/XXXX while my modification was still being processed with Ocwen Servicing. Ocwen Servicing agreed to rescind the property foreclosure sale and modify my mortgage loan to lower my payment. My mortgage has been modified, but Ocwen is reporting on my credit report Foreclosure redeemed. That is incorrect information that has reported to the credit bureau 's. I would appreciate your assistance in this urgent matter. This information on my credit report has hindered my employment opportunities.
Consumer complaint received 2024-10-14
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. (MA)

XXXX XXXX sabotage due to Bank XXXX XXXX lies/fraudulence. XXXX yrs of admitted technical issues/ glitches admitted to me but their IT technicians, representatives, and supervisors of representatives that in the end has resulted in them lying and retracting their admitted guilt which significantly affected my XXXX XXXX dropping it by XXXX points, and being denied in endpoint attempts of justifiably disputing these illegal rejections of my disputes. Even with recorded conversations of Bank XXXX XXXX 's representatives and upper management claiming complete and total fault ... Now they sent their fault in this dispute and previous recognition of thus. Resulting in XXXX and the other XXXX credit bureaus refusing to reinstate the incredible amount of points that were reduced upon my XXXX XXXX that I've worked diligently and exhaustively to achieve over the last XXXX yrs ( my XXXX XXXX was XXXX before XXXX XXXX slashed it with their report falsely blaming me and not admitting to their inexplicable website/app/systems failures and glitches that they were incapable of fixing the last XXXX years ), in which I've always paid off and bills on time. I've never missed a payment- on any of my accounts- and therefore never had a late fee charge. I pay all of my bills on time - utilizing correctly working autopay connected to my XXXX bank account. XXXX XXXX XXXX has admitted fault several times, but now chooses to lie and claim fraudulently and falsely that this is my fault. They've promised letters to all three credit bureaus to fix my excessive XXXX XXXX drop ... and then claimed the opposite. They record all of there phone calls so I know the representatives that guaranteed me they were recognizing their ( XXXX  XXXX XXXX 's ) fault has been reported several times. A representative even revealed to me that this is something the company would never - will never - admit, due to repercussions and possible media coverage. They instantly refunded my charges taking responsibility over 9 months ago, and now they're lying and refusing to retract their allegations and restore my XXXX XXXX that lost - insanely - XXXX points due to them reporting fraudulent details to the credit bureaus. They don't want to admit their fault surrounding their IT/technical failures that are excessive beyond belief. XXXX years later they couldn't fix double debiting my bank when I only authorized debiting once. This again is fraudulent and litigable. 

Please help me in holding a billion+ dollar conglomerate responsible for their fallacies, lies, and attempted deflection of their own faults against XXXX of their XXXX year loyal customers. 

Thank you for taking the time to read this.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (NY)

I inquired about Refinancing online. Several Mortgage Companies, including Amerisave set me several e-mails for several weeks. I take care of my totally invalid mother and it 's been frustrating with all the e-mails and phone calls. Amerisave kept sending me athe same e-mail that allows hyou to click in that days rates. I clicked in everyday and did nothing until XXXX/XXXX/XXXX, when the Rate was 3.25 % with Closing Costs of {$2700.00}. I clcked on the Link to Apply at that Rate and Fees and I went as far as the Application all wallowed me. Upon not being able to finish, I received e-mails from XXXX XXXX of merisave. She promised that if I sent my XXXX Tax returns, she could finish locking in that Rate and the aforementioned Fees. After sending her my Tax Returns, she sent me a Link to choose a NEW Rate. I told her I wanted my Rate and Fees from XXXX/XXXX/XXXX, as applied for and as promised. She told me that I could n't get that Rate and Fees, and I had to go with that day 's Fees of {$3800.00}. I complained, she said I insulterd her, which made me more upset, so I called her a XXXX. I 'm under tremendous stress caring for my mother and XXXX XXXX lied to me and insulted ME. I insulted her in return. I wasas also mad that she was trying to change the Fees on me. When I complained to her Supervisor, XXXX XXXX, he insulted me also and refused to honor the Rate nad Fee I locked in on XXXX/XXXX/XXXX. 
I also have every e-mail exchanged between XXXX XXXX, XXXX XXXX, and myself. XXXX e-mails CLEARLY show her telling me that my Rate and Fees would be what I applied for on XXXX/XXXX/XXXX.
Consumer complaint received 2016-06-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

My name is XXXX XXXX I have a loan with Citi Mortgage since 2009 I have never been late, my balance on my loan is XXXX we paid XXXX for the loan. I have requested several times for my pmi to be removed, paid for XXXX or XXXX appraisals the last appraisal came in at XXXX thru citi mortgage even with that im still well below XXXX % the last attempt resulted in Citi removing the pmi then telling me it was a mistake months later causing my escow to be XXXX short after adjusting my payment for months to reflect the pmi being removed I have the letter stating that it was removed and proof of payment reduction this really puts me in a bind upping my payment nearly XXXX dollars a month and I just dont understand and im not getting any help from citi thanks
Consumer complaint received 2016-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (CA)

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Caller left a voicemail : three seconds of silence. 

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Did not leave voicemail. I called the number back and received the message " We 're sorry, you have reached a number that has been disconnected or is no longer in service. '' Received call from XXXX on XXXX XXXX, 2016 at XXXX 

They asked for an individual that was not me. On this call I learned that they were GC Services LP and given the phone number XXXX. I asked for more information about the call and how they obtained my phone number, but was not given a clear answer. One method they said was a database, that the company gathers information. Another method they said that the individual that they were trying to contact had written my phone number down, but quickly retracted the statement. After a few attempts, I was able to be connected with someone who was able to provide me their mailing address, XXXX , Ohio , XXXX. I asked if they would be able to confirm that another phone number belonged to them, [ hoping to confirm whether or not the XXXX number belonged to them or another telemarketer ] but they said that they do n't always know what phone numbers show up when they call. I then told them that my phone number was not a good contact phone number for the individual that they were trying to contact and asked to be taken off of their contact list. 

I then called XXXX to try to verify the XXXX phone number, but they were unable to assist with that issue. The operator did say that I was put as a reference for the individual that they were trying to contact and that is why they were calling me.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Never received any notice of debt in three years, debt pops up on credit report. Contacted company to verify debt, they refused to send out any information. Finally decided to give up and see if they would settle the debt for a lower amount because I am trying to get a house and can not have this on my credit, they refused to send me any information by mail, or even email and told me I could pay a lower amount. The next day they called me and said unless I paid right that moment, they were taking away the offer. They threaten with wage garnishment and legal action, all while REFUSING to send you any information on your debt or agreement to pay!
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Dept of Education/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 2016-12-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc (IA)

I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. 

Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.
Consumer complaint received 2017-05-21
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. (GA)

I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NY)

Citi Mortgage keeps denying my mortgage application ( via XXXX ). They use factually incorrect appraisals, deem legal properties 'illegal ' despite meeting all city and state building standards, and make dozens of trivial requests for additional information ( ie. a XXXX from a XXXX job from 2014, for which I am not even using as part of my income qualification ), and require 'repairs ' for things which meet both local and state building codes. Also, denying me due process by frequently going past deadlines for decisions. I have lost out on 3 houses and lost my apartment due to XXXX. They will not process loans in a timely manor and let sales contracts expire. Living out of a suitcase with all my possessions in storage, waiting on ANOTHER closing date. They messed up my last loan application so badly that they needed to create a new loan number, and are currently putting me through the wringer a second time, on the same house. The same move in ready house with the same income information.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

I 'm making this complaint because month after month I send the proof to Equifax that they are reporting this bankruptcy wrong by sending the public records page from my credit report and they have failed to correct or remove it each time and come back saying that it has been verified. 

Here 's my dispute with Equifax : Bankruptcy Docket # XXXX # 1 You have the date " XXXX/XXXX/XXXX '' and this date is NOT accurate or even existent! 
# 2 I 've notified you of this multiple times and therefore, I am notifying the Consumer Financial Protection Bureau of this violation immediately and am sending this complaint with my letter # 3 The docket # is not correct as well as incomplete # 4 " BK Court '' is not a court - this section must list bankruptcy court with the city and state # 5 the liability amount must be numerical and you have " K ''
Consumer complaint received 2016-12-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (NC)

American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-12-02
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Mortgage has stolen my XXXX XXXX Certificate of Eligibility as it pertains to me and home Mortgage Guarantee. I am XXXX XXXX XXXX, XXXX XXXX XXXX Retired. I had a home that I allowed for assumption ( XXXX XXXX XXXX XXXX in 2011, and When I tranfered ownership, I did not realize at the time of the transfer of ownership, that I would loose my earned XXXX Home Guarantee. The mortgage officer that had me sign the many documents from Wells Fargo Mortgage for the Assumption of the Loan for the mortgage at XXXX XXXX XXXX XXXX SC XXXX to XXXX and XXXX XXXX, failed to make sure that I understood that this was forever as long as they had the loan. I have recently tried to dispute Wells Fargo claim to my Benefit to which I have bled and served this nation for ... But the XXXX system forced me to arbitrate with Wells Fargo before they would list a complaint. And as expected after a month of delay, Wells Fargo ruled in favor of themselves. Now I am unable to use my full benefit to secure myself and family for a better home that can accommodate my XXXX needs. Wells Fargo has ripped me off.. And Wells Fargo does n't seem to think they are culpable in the deception and confusion their whole process endeared. I am of the belief now, that Many Veterans have been slipshod by the word " assumption '', as applied by The XXXX and Wells Fargo. This relationship between the XXXX XXXX Mortgage Office and Wells Fargo is a trap for Veterans and has been used to strip benefits from deserving Veterans. It is not as if I did not fight, bleed, and shed my tears for our country and I lost brothers in battle, so I know the pain. But having to realize that the Big Company. Wells Fargo and the XXXX Home Mortgage Guarantee people resort to tactics that can only be described of as " usury '' makes me think I am just a mark to these scoundrels that are untouchable ... ..How many Assumptions I wonder, are listed in the XXXX Mortgage guarantee system. How many Veterans have suffered needlessly because of the greed of Wells Fargo
Consumer complaint received 2016-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (NM)

I get daily calls from Capital Management Services looking for a person I do not know about a debt. I have told the callers on at least three occasions that they have a wrong number and that I want my number taken off their call lists. I put a three month block on their number but now that the block was lifted the calls have begun again. I plan to return a call to XXXX XXXX XXXX XXXX to ask again to be taken off their call list and to let them know that I have filed a complaint with the CFPB.