davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX 2016 a double payment has been made on my personal loan by mistake, I made a payment from my saving account to my personal loan and an ACH was processed ; I could n't afford to process both and I called the bank to requested a refund of XXXX of the XXXX payments. As a result of my request the bank processed multiple unauthorized transactions moving money back and forth from my saving account and my personal loan. After a few days I checked my online banking and a big red flag showed on the screen indicating a 41 days past due payment due of more than XXXX XXXX dollars, and this late payment was already reported to the credit agencies for no reasons. After a series of phone calls and speaking with bank employees who had no idea on what to do finally I got connected with and executive office employee who at least was able to understand the problem and seemed to be able to do something about it ; as a result I received a letter from the bank saying that they made a mistake and would communicate it to the credit agencies to clear my credit report and the case would be closed. On the XXXX of XXXX I checked my online bank and my saving account was short the amount of {$810.00}, the bank withdrew the money without giving me notice or advice and without my authorization, without explanation. After multiple phone calls and email to the same executive office employee the explanation given to me was that nobody could understand why the money was withdrawn and most important where it went. After almost a month I received a senseless letter containing information that once more does n't explain to me why they took the money, it does n't report the right information about my account and it is an insult of my intelligence personally and as a client.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently XXXX inquires were removed from my credit report with Transunion as of XXXX XXXX 2016 I had XXXX inquires with a credit score of XXXX on XXXX XXXX 2016 they added XXXX inquires on my report I have not inquired recently about anything until today which should have been XXXX inquiy to XXXX. Also I filed a dispute about XXXX and the report was removed for my file as XXXX bal paid as agreed. It was just again recently added back to my account after fighting with these accounts for sometime. It has been well over 30 days the results show expired and others show that nothing was never done. I have received no notification of any kind in over XXXX days
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMB, Inc. (NC)

RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: R.M. Galicia, Inc. (NC)

I was first informed of a {$120.00} outstanding balance owed XXXX Hospital, from a XXXX XXXX, 2015 XXXX visit, on XXXX XXXX, when my FICO score dropped XXXX points ( XXXX to XXXX ) despite NEVER having received a single bill from either XXXX Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. 

The XXXX Hospital intake form collected XXXX separate options to contact me, yet I was falsely reported delinquent on a balance of {$120.00} ( less than 2 % ) of my bill, without ever being asked for payment. 

When I asked ( PMS ) to validate the debt, they sent me a master account query from XXXX XXXX dated XXXX clearly showing that for my bill totaling {$7000.00} XXXX received 100 % of invoiced amounts within 30 days of the visit : XXXX - {$250.00} copay at the time of service XX/XX/2015 - {$2500.00} deduction XX/XX/2015 - {$4100.00} from my insurance company While 20 years of excellent credit worthiness means more to me than anyone else, I am disheartened to learn that neither XXXX Hospital nor their debt collection agency PMS value a 20 year reputation above the cost of a letter, email or phone call alerting me to the debt ; any of which would have resulted in prompt payment of the {$120.00} bill. 


I sincerely hope that I can have support in correcting this false statement of delinquency on my credit report, and shining a light on this destructive " debt parking '' practice, which my own research has revealed victimizes so many innocent patients when they are admitted to hospitals.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (MI)

In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons. 
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt. 
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can. 
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}. 
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out. 

XXXX XXXX Ph : XXXX XXXXXXXXXXXX
Consumer complaint received 2017-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I began applying for a loan mod with Citibank XX/XX/XXXX. 
I almost bled to death on XX/XX/XXXX from a bleeding ulcer which I experienced due to internal pressures such as the one I am writing about right now. 
The " only '' reason I am able to write this now is I was fortunate a friend was with me when XXXX. 
After a year of getting what felt like the runaround by Citibank lower level loan mod agents which began on XX/XX/XXXX I filed a complaint with the CFPB XX/XX/XXXX. 
After being denied a loan mod by Citibank on XX/XX/XXXX in writing and via telephone due to intercession by the CFPB I was notified on XX/XX/XXXX my loan mod was now accepted. 
On XX/XX/XXXX I received an acceptance letter from Citibank. 
After the loan mod was accepted I was informed by agents of Citibank that the terms of loan were to be 2 % for 40 years. 
During a subsequent phone call a Citibank agent informed me that the loan mod would be at 2 % but would adjust upwards after 5 years maxing out at 4 % after 5 years. An adjustment I could survive with since I will not live in my home for 5 more years but it would provide me time to make adjusted payments of {$580.00} providing me time to fix house as best I can, sell it and move " somewhere ''. 
Yesterday on XX/XX/XXXX after getting the " permanent '' loan mod documents f from Citibank " changes '' in the terms appeared. 
The " terms '' changed from 2 % for 40 years to 2 % for 30 years increasing my monthly obligations prohibitively additionally changing the 4 % cap after 5 years to 4.25 %. 
Per the " permanent '' loan docs I received Citibank wants these docs with original signatures returned by XXXX. 
I called Citibank to discuss discrepancies in the permanent loan docs but was unable to speak to the agent handling my case until Monday XX/XX/XXXX at XXXX PST at which time " he '' is supposed to call me.
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I made a deposit to cover a withdrawal in XXXX XXXX. My account was withdrawn on XXXX XXXX. I received a XXXX overdraft fee. I called to have the fee removed and was told it was going to be forwarded to a local branch for review. I was advised to pay the overdraft free because they charge a fee for being overdrawn and I will continue to be charged fees while they complete my review. I asked to close my account and she was not able to do that either. Stated I needed to go into a local branch. The company is making it hard on consumers in order to continue to charge fees
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (KS)

this complaint is about Wells Fargo Mortgage! Mywife was outof a job and our daughter just went away to college. We got behind on our payments, so I went through the process with Wells Fargo for a loan modification. During this time of the loan modification, I was told not to make any payments. After about three months I was denied the modification. I was told I could appeal the decision, which I did. Again, I was told not to make any payments during this appeal time. I was denied the appeal. This process through Wells Fargo put me behind on payments and now they have my mortgage in the ACTIVE forclosure status. I only did what they said and now I might lose my house. I believe the whole modification/appeal process is a scam! I even offered to make a payment and they said NO, it will be denied. But now they want to foreclose on my house. Please help!!
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

I switched over from XXXX to XXXX cell phone service due to XXXX having a promotion that they would pay " your last month 's bill '' with your current cell phone carrier. 

I was told in the XXXX store that XXXX did indeed pay my last bill. XXXX is saying that the account had to charged off and they had no record of XXXX paying my last bill. Now this is in collections and showing negatively on my credit report.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

A judgement on my credit was satisfied in XXXX. I have faxed the court record proving this to Transunion and XXXX. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland funding continues to make false claims about a debt that does not belong to me. I placed a fraud alert recently on my credit report because Midland Funding placed a debt on my credit Report that 's not mine. I also recently tried to access funds from my credit union and Midland Funding falsely sent paper work claiming that a court order a freeze to my account and I am not able to access my funds but all my other accounts are not frozen. I truly believe this is illegal and should have never happen.
Consumer complaint received 2016-05-28
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (UT)

There were no fees associated with this account for over a year and I had stopped using it often. On XXXX XXXX I then noticed that I was being charged a monthly fee that began in XXXX 2016. I was not notified of this change and I did not agree to be charged a fee. If I would have known about the fee I would have closed my account in XXXX. I requested a credit to my account from AmEx Customer Service and was denied by a XXXX level manager.
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Student Assist Plus LLC (TX)

I had loans from XXXX XXXX which were transferred to XXXX. I now have a loan through XXXX I was under the assumption that I was suppose to be paying a third party student assist plus {$30.00} a month, and it is set up on the XXXX of each month. Unaware that I am not suppose to be paying I have been. XXXX informed me that I have no need to pay this third party. So i was submitting this form to see if anything could be done about it, and if any way possible would I receive any of my money back.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We have our mortgage through Ocwen. For several years we have paid extra on all our monthly payments. When I called Ocwen, they said they have a separate account for the overpayments which is about {$800.00} now. They have not been applying the extra money to the principal but instead have been keeping it in a separate account. It was my belief that these extra funds were legally supposed to go towards the principal. What is my legal recourse? 
Sincerely, XXXX
Consumer complaint received 2017-03-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

PHH Mortgage Services, XXXX XXXX, NJ XXXX. 
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX I sign my son up for XXXX XXXX XXXX to help him with math & reading. My monthly payment is about {$50.00}. I 've been paying on this student loan now for 11 years & 8 mos. 
The original amount borrowed was XXXX on XX/XX/XXXX with an interest rate of 11.75 %. On XX/XX/XXXX I had transferred {$4700.00} to my credit card for 18 mos promotion at 0 %. I still have a balance with Navient of {$1000.00}. If I never transfer some of the balance it would n't be paid off until XX/XX/XXXX. It does n't make sense to me at all on how my payments are being applied to the balance.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Seattle Service Bureau, Inc (OH)

COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency National Service, an XXXX agency licensed to collect debts in the state of XXXX from the state of XXXX ; In XXXX, I checked my credit report and discovered National Service tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XXXX XXXX, XXXX I received my credit report update from initial dispute, and National Service was update to XXXX and XXXX credit bureaus as a verified account ; National Service placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with National Service and XXXX ; I have never received any validation letter from National Service prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to Equifax and Experian ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC XXXX, and XXXX vs XXXX Case No. 2:14-CV-0054 ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; XXXX v. XXXX, 970 F.2d 1516, ( 6th Cir.1992 ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with ORC 1335.05 XXXX Statutes of Frauds ; XXXX., XXXX. v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XXXX XXXX, XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of National Services ' actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;
Consumer complaint received 2017-02-03
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated (WI)

On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have submitted several request disputing collection agency information on my file, for XXXX XXXX XXXX. this is not my debt. I also have open a full investigation against this company. As you can see on the attached information i forward to collection agency & Equifax yet they both continue to report incorrect information on my credit. This is the apt complex responsibility not mine and you can see on the county fire report it states in undetermined. Apt complex all copies of report and so does their district manager. XXXX XXXX. I 'm trying to fix my credit to purchase a home and this continue to be a problem for me. Please help Thank you.