davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo filed a complaint against my FHA mortgage with out reviewing me for a loan modification. I contacted Wells Fargo in XXXX 2015 and XXXX 2015 for assistance. However, they denied me saying there was not a sufficient change in my circumstances to warrant a review. This is not true because I was temporarily laid off and then got rehired and now make more money. Wells Fargo sold my home and bought it for {$20000.00} and then left me with a deficiency of {$80000.00}
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Bay Equity LLC (TX)

I recently purchased a house and my mortgage was serviced to XXXX XXXX from the originator, Bay Equity. My first months mortgage was due to XXXX XXXX but I had auto draft still activated at XXXX XXXX. XXXX XXXX withdrew the mortgage payment from my bank account and applied payment. XXXX XXXX is saying that they I should have paid them XX/XX/XXXX mortgage and it is now considered past due. Pretty much, both company 's believed I owed them my XX/XX/XXXX mortgage payment.
Consumer complaint received 2015-12-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: I.C. System, Inc. (CA)

For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. 

When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. 

they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. 

copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. 

please help me get this monkey off my back and restore my credit. 

thank you.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Illinois dept of family services ( child support ) are payroll deducting child support payments every pay period but are reporting my case as being negative ( i n default ) .in someway. I have acquired a payment ledger from child support as proof That payments are being made. My payments are payroll deducted so it 's never late.this has be ongoing for over 10 years. Whenever I manage to get my credit score up to a respectable number, the next following month my fico score drops about XXXX points even though payments are being made on time. It is a an unfair tactic to collect missed child support payments which occured over 10 years ago.at this rate I will never be a home owner and it 's hendering from getting employment.I am homeless due to this situation.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (WI)

I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (OH)

Have received XXXX collection letters from TRS Recovery Services Inc claiming I owe {$1200.00} for appliances that were purchased from XXXX. Plus they are attempting to collect an additional {$120.00} for return check fee. Total {$1300.00}. I have neither purchased any goods from XXXX in the last years. I have no XXXX Credit card. Have no idea how they obtained my name and address. I am XXXX years old and know XXXX are targets of fraud.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America 's automatic payment options are deceptive and, it seems, drafted with the only purpose of causing people to incur finance charges that they would not otherwise incur. The options listed are as follows : ( 1 ) Always pay Minimum amount due as indicated on e-Bill ( 2 ) Always pay Amount due as shown on e-Bill ( 3 ) Always pay Statement balance as shown on e-Bill I selected # 2, which ended up being interpreted by BOA as paying the minimum amount ( i.e., the exact same as option # 1 ). As a result, I was charged finance charges for four months even though I had intended to pay the full amount due. I called Bank of America and was able to get the finance charges rescinded, but I have a significant concern that Bank of America is engaged in a fraudulent business practice. The first two options mean the exact same thing ( and the company representatives I spoke to could provide no explanation for why there were two options that mean the same thing ) and can only be drafted in the way they are drafted to deceive people into paying the minimum amount rather than the full amount and incur finance charges. I received no assurances that BOA would change the drafting nor any explanation for the deceptiveness.
Consumer complaint received 2015-11-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TH Professional & Medical Collections LTD (IL)

XXXX., Monday, XX/XX/XXXX15I was just at my desk and received a telephone call from a medical collection agency XXXX regarding an account I have had with them since XX/XX/XXXX this year. I was asked initially to verify my date of birth, which I did not do immediately. When I asked for the identity of the person calling me, the lady on the telephone responded with asking me the same question about my date of birth. I refused again, stating that I was not trying to be rude but did not feel this type of call to me at my place of employment was appropriate for them to contact me. The lady then asked to be transferred to the XXXX XXXX department of my employer. I did give her the general telephone number to call but did not transfer her. I also did verify my date of birth to her, although I am sure she had that information on her computer screen in front of her. The telephone number that showed up on my caller ID is ( XXXX XXXX.
Consumer complaint received 2015-11-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CA)

I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (KY)

I sent a written dispute into experian to have XXXX medical collections investigated and to get them to get the company to send proper proof that these debts are mine and not a computer automated response. I received a letter from the refusing to reinvestigate these XXXX accounts. I originally disputed them online and like I said earlier, they did a computer automated dispute to the company and didnt fully investigate the accounts. I want them to fully verify these accounts are not mine. That is why I sent the written dispute in to stay out of the computer system generic dispute. They do not have the right to refuse to investigate innacurate info and are required to check the validity of a collection account. I want these XXXX medical collections disputed like I originally requested in my written dispute or removed completely from my report. They are XXXX XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX XXXX for {$310.00}, and XXXX XXXX XXXX XXXX for {$130.00}. 
Please either investigate thoroughly like I requested in my written dispute and send me the results in the mail or delete these XXXX collections from my report Attached is the letter they sent me refusing to investigate the accounts
Consumer complaint received 2016-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX
Consumer complaint received 2016-02-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

In XXXX, 2012 we sold our home in XXXX Ga. and Ocwen Financial corp. was the mortgage holder. We had a XXXX and XXXX mortgage with Qcwen. At closing, XXXX our notes were paid in full. Today, 4 years later we later, we find out that they are still showing an unpaid balance of {$97000.00} and {$12000.00} on our credit report.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (PR)

I request credit reported on line on XXXX XXXX 2016, and ca n't print because computer it failed, please sent by e-mail to : XXXX XXXXXXXXXXXX. I need at soon posible to my lawyer. If ca n't please send by mailing.
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation has been reporting on my credit profile that I owe them a debt {$220.00}, I 've has send them a notice of dispute which they received on XX/XX/2015, I have green card to prove they got it. They are still reporting that I owe them a debt, this is a violation of the fcra. My dispute is under notary seal, I gave them 10days to respond with a contract with my signature they failed to do so, and they mail me some frivolous papers, with out my signature witch is a violation of the, fdcpa, they 're also are violating the VA consumer protection laws
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I had a mortgage through Wells Fargo. In XXXX of 2014 I re-financed my home through Wells Fargo. ( I hoped this would make the process easier ). This year when my taxes/insurance were due, Wells Fargo informed me that my escrow had been used to pay the closing cost for the re-finance. However when I re-financed I was told the closing cost was added to my principal loan so that I would not have any out of pocket dues, which I agreed to. Now they say I owe an additional ( approx ) {$150.00} a month to cover the escrow and have not yet paid my insurance or taxes.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

Experian sent me a letter refusing to conduct an investigation of errors on my credit report because they said the letter was suspicious. I am attaching a copy of the letter I sent them to this e-mail, and there is n't anything suspicious about it. I even included copies of my 2014 XXXX and drivers license to verify my identity. They gave me an e-mail address to go to so that I could verify my investigation request XXXX. After entering in my information, they told me I had to mail in my request. Well, obviously, I 've already done that. They also gave me a phone number to call : XXXX. I called it, but I ca n't get out of the automated system and speak with a real person unless I buy something from them. The investigations are supposed to be for free.
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My loan was purchased from XXXX in XXXX XXXX. I was asked to setup an automatic payment for {$1100.00} to loan, XXXX with XXXX XXXX XXXX. Nationstar used a canceled check and made another request to XXXX XXXX XXXX to loan XXXX for {$1000.00} that I did not know about. Payments for XXXX continued from XXXX/XXXX/XXXX for XXXX payments stoping XXXX/XXXX/XXXX for a total {$9000.00}. All the while the other loan account was removing funds for {$1000.00} starting XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I found out that the account requested was not even a real account when I questioned Nationstar customer service. 
All I asked for was a refund of the funds from the non-existing account totaling {$9000.00} and leave my " real '' account # XXXX alone with auto-daft for payments. 
What has occurred, NationStar has sent a check for {$8800.00} saying that is all they owe me from the non-existing account XXXX. Also, someone from NationStar dropped XXXX ( XXXX ) payments from my real account XXXX from XXXX XXXX, XXXX XXXX and XXXX XXXX, then placed my account in default. This actions was just before the holidays in XXXX XXXX. 
Now I can not get return calls and we are totaling what is owed now at {$12000.00} to me. 
I have taken my personal funds and brought my true account paid thru XXXX XXXX, but I can not set a auto payment until this problem by NationStar is completed. I will not accept the check, since it is far from what is owed. 
XXXX XXXX XXXX is tops on my list! They have stepped forward and helped me, but even they can not get satisfaction, even after sending all documents requested. 
Further, NationStar says they refunding funds ... but neither my account reflects nor does XXXX XXXX XXXX show receipt. NationStar will not send confirmation that funds were reversed but insist that they were sent. 
This has been going on since XXXX XXXX by me and XXXX XXXX XXXX. We can not get resolution, or now can not even get a call back. 
You help will be appreciated. 

XXXX XXXX, XXXX ( XXXX )
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (NJ)

The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts?
Consumer complaint received 2015-11-07
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Immediate Credit Recovery (TX)

Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, Immediate Credit Recovery , Inc. sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, Immediate Credit Recovery , Inc. did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Messerli & Kramer P.A. (MN)

A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. 
I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. 
I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. 
As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. 
My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?
Consumer complaint received 2015-12-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Viking Client Services (AZ)

I rented a car from XXXX XXXX XXXX Rental back in XXXX of 2014. I returned the car in the condition that I received it. The employee XXXX walked around the car, got the mileage, and I paid for the rental. 9 months later I received a bill XXXX stating that owed {$77.00} XXXX {$25.00} administration fee, {$25.00} loss of use fee, and {$27.00} in damages to the vehicle ). I contacted Budget and asked why 9 months later I was receiving a bill and how did they know that I was the XXXX that caused the damage. I was n't given a response as to why it took them 9 months. I was told that the reason they knew I caused the damage is because they are " a document based company. '' The representative also stated that the employee 's sole responsibility when taking the car back was to expedite the return and not check for damages. I was n't given any recourse to dispute the charges. I had my attorney mail a letter to XXXX requesting that they send documentation proving the damage was caused by me and I received no response other than a generic letter stating that I needed to pay otherwise the debt would be sent to collections. A few months later, I received a letter from a collection agency stating that I owe them the {$77.00} and that I have 30 days to dispute the validity of the debt. It is unreasonable to take 9 months to claim I had returned a damaged rental vehicle. I am disputing the fact that I had caused any damage to the vehicle and that XXXX should be required to alert the customer to any damage before they leave the lot. Otherwise, how can XXXX prove that the damage was caused by the customer? I am also frustrated with their lack of explanation regarding the damage and my rights to dispute the charges. I have A+ credit and XXXX is taking advantage of the fact that I do n't want my credit affected, so they feel they can send a bill without proof and I will pay it.