davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I placed a call to equifax and  XXXX   In reg ards to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to Equifax and  XXXX  they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX     2017  ).
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (KY)

I received notice from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  dated   XXXX   XXXX   XXXX   ), stating that Barclays Bank Delaware had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on   XXXX   XXXX   XXXX     ( Certified Return Receipt ) to the Law Firm stating that I was willing to make payments on this account. The letter was received at the  P.O. Box  address provided on   XXXX   XXXX   XXXX     at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website on   XXXX   XXXX   XXXX     and no response was ever provided.  <P/> On Saturday,   XXXX   XXXX   XXXX     I receive a notice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (OH)

I had  XXXX   XXXX  owned by  XXXX   XXXX   XXXX  as a water delivery at my home in California. Over the course of several months, I was charged for extra bottles of water not delivered. I explained the situation multiple times to the route manager. They told me that they would get it addressed. Upon moving all the equipment was returned to them. Then I get a bill for almost  XXXX  I called and could not get anywhere. I filed a complaint with the CFPB and the matter suddenly was pulled from collections. I got a call from a  manager in California. They looked into the matter and credited the account and I paid the final bill of {$190.00} to them via a USPS money order. Now today, I get a not ice from a collection company telling me that I owe almost {$300.00} still. I immediately contacted the collection company via email and provided them all of the previous correspondence in disputing the matter. Then I get an alert they have reported this to my credit. I called the manager of California at  XXXX . He promised that he would get this handled and call me back. It 's been  three  weeks and no return phone call. I 've left several messages on his voice mail.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Health Care Management Services, Inc. (GA)

I continue to receive calls at work and at home from a company asking me for my birthday and SS # prior to verifying who they are. When I refuse to provide this information to anyone over the phone, the caller will tell me that I owe a debt but they will not tell me to whom or how much. I will not provide any personal information or financial information to anyone over the phone and the person or person 's calling will not disclose this to me. The only information they will disclose is where they are calling from. With repeated calls to my place of business AND at home, I am now forced to report them.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Pertaining to the Report Number : To Equifax Dispute Resolutions Team, This is to advice your company of a potential lawsuit pertaining to your scoring system. Attached is a credit file from yesterday, with no changes to the file with a score of XXXX, and today, here is a different score XXXX. <P/>There have been no changes other than positive reporting, and updated positive account information so there is no reason this score should have dramatically dropped in that manner. I wish not to get the Federal Government involved, but I take my credit very seriously. If you have an individual at your bureau, going into my file, and conducting illegal reporting, especially pertaining to my addresses and personal information, I will not hesitate to contact the proper authorities as I do not authorize such individuals to do such things. There have been no changes with the exception of positive reporting, and I would ask that your bureau do a thorough investigation into this matter, as I do not wish to file a lawsuit. My score is not XXXX. <P/>I also opened an investigation on XXXX XXXX XXXX more than 30 days ago, that has yet to be addressed and removed. The other bureaus have removed the fraud collection, but equifax took way too long to remove it. I am in the process of trying to rebuild what so many have tried to ruin, along with my credit, that I was able to salvage from all of the identity theft, and other criminal acts that are being investigated. <P/>I also had a huge concern pertaining to my personal data being released to people who had no authorization to view it, or obtain any information, sale or trade anything pertaining to myself on my credit file. I attached a protective order validating that fact. It seems as though someone within that bureau has been trying to manipulate my credit report and it 's scoring, and that is illegal. Please see the attached protective order requesting this bureau and the others, discontinue with the sharing of my address information publicly as it violates a legal Court Order.
<P/>
For Example, XXXX XXXX reported to the bureau that the account was up to date on the XXXX, and then on the XXXX as you can see, someone went into the bureau system, and possibly manually adjusted the account and stated it was 60 days past due with a balance of XXXX owing and it was n't. Someone went back into the system today, and adjusted it to say 30 days past due {$300.00} when the account is not past due.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

The aforementioned credit collection agency representing  XXXX   XXXX   XXXX   XXXX  has violated FCRA by not providing documents to me in regards to this debt, my HIPAA has also been violated because they have not provided me signed documents with my signature on anything where I have giving my permission for anything pertaining to this debt. This account is unverified and immediately needs to be deleted from my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all of the documents that they have recorded or retained in their files pertaining to this " debt ''. If  Medical Data Systems  does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2024-08-02
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael Harrison, Attorney at Law (NJ)

I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over 18-months, several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day writt en notice that after th e 180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . All  medical collections m ust be removed immediately by all medical de bt collectors,   and I must be send  a 180-day n otice, so my insurance can work on resolving all claims. REMOVE ALL  MEDICAL COLLECTIONS AS  MANDATED!!!
Consumer complaint received 2017-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IN)

In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. <P/>I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. <P/>Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.
Consumer complaint received 2015-05-01
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CA)

We were trying to refinance our mortgage. So after talking with multiple lenders we decided to go with Citi Mortgage based on the GFE they provided which has {$5000.00} as lenders credit at 3.000 % interest rate. However, 20 days later when interest rates went up, I got another letter email saying that they recently received new information and sent me a new GFE which has lenders credit reduced to {$1000.00}. 

Now I ca n't even go for new mortgage shopping as the rates have gone up. If they would have mentioned the same before I committed to go with them, then at least I would have had an options of going with next best option.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (KY)

I received notice  from Lloyd & McDaniel   XXXX   XXXX   XXXX   XXXX  ( dated    XXXX   XXXX   XXXX   ), stating  that   XXXX   XXXX   XXXX   had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on    XXXX   XXXX   XXXX   (  Certified Return Receipt ) to the   XXXX   XXXX   stating that I was willing to make payments on this account. The letter was received at the  XXXX .  XXXX  address provided on    XXXX   XXXX   XXXX      at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website  on   XXXX   XXXX   XXXX    and no response was ever provided.  <P/> On Saturday,    XXXX   XXXX   XXXX   I receive a n otice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
Consumer complaint received 2017-06-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I have had a VA mortgage since   XX/XX/XXXX   and it has changed hand s ( servicers ) 5 times in that pe riod. The latest took place, I 'm told, in   XX/XX/XXXX   from  XXXX  to  Loan Care.  I finally found this out, late in   XX/XX/XXXX ,  following my inquiries of the new service r ( Loan Care ).   I continued making payments to  XXXX  uninterrupted, throughout this period. Unbeknownst to me  XXXX  forwarded my p ayments to Loan Care fo r   XX/XX/XXXX &  XX/XX/XXXX b ut ceased doing so thereafter. My loan had gone all the way to pre-foreclosure wi th Loan Care. I provided proof of payments to Loan Care and they endeavored t o get these funds from  XXXX  without success until   XX/XX/XXXX  . Throughout this period I have received twice daily dunning calls fro m Loan Care.  In   XX/XX/XXXX    Loan Care  claimed they finished their research and told me it was now my problem to get  XXXX  to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me followin g a two m onth grace period and not processed by  XXXX . This is utterly false. The " proof '' I provided was a combination of "  Cancelled '' checks and verification that my electronic payments thru BillPayer were issu ed & received.  XXXX  has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed   XX/XX/XXXX  Federal  Tax returns. Attached is how I was informed that my mortgage was now being service d by Loan Care. Th is door hanger placed on the door knob of an out building at my property that I only " happened '' to find on   XX/XX/XXXX .
Consumer complaint received 2017-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I went to Wells Fargo to make a deposit where I have banked for 25 years. The was a cash deposit. I went to the teller and swiped my card through the machine and I gave the money to the teller. She put the money in the counting machine and came back and made out a handwritten deposit slip. When I checked my statement I noticed the deposit was not recorded. I went to the branch manager and he checked it and said that no deposit was made. No one in the bank seemed to have any interest in this incident. The people working at the bank told me that they were sorry, but there was nothing else they could do. I went to five different branch managers and they said they would look into it, but none called me back. I got the district managers number and I left him a detailed message, but he never returned my call. I asked them to check the camera and tellers transactions, but they said that it could not be done. The reason I am so upset is that is most of my life 's savings. The total amount is {$8000.00} made in two separate deposits ten minutes apart, but I was there for both deposits. I had someone with me, which is  a witness to the whole incident. I will be glad to talk to anyone if you need more details.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over  18-months,  several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of  a 180-day  written notice that after the  180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . Al l medical collections  must be removed immediately by all medical debt collectors, and I must be send  a 180-day  notice, so my insurance can work on resolving all claims. REMOVE ALL  ME  DICAL COLLECTIONS A S MANDATED!!!
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I XXXX XXXX have been approved for a home loan modification with Caliber Home Loans Inc., through the efforts of a law firm known as the XXXX XXXX XXXX based in the state of California. After making my initial three modification payments, Caliber Home Loans , Inc. is  now refusing any additional payments, including a certified check I sent during the month of XXXX 2017. I was only {$30000.00} behind in mortgage payments, and Caliber Home Loans is reporting on credit bureaus that I was {$140000.00} behind in payments. My problems began when I was almost killed in a work-related accident, however, I am fully back in the work force. Caliber Home Loans, Inc. is in direct violation of my rights under the Fair Debt Collection Practices Act, and not only do they have to accept my payments under the new terms of modification, but they must adjust my balance on credit accordingly. I have no other option but to submit my request for fairness directly through the CFPB as the XXXX XXXX XXXX has not acted quickly on this problem. I am well within my rights as an American consumer to utilize the services of the CFPB to help me rectify this serious problem. Caliber Home Loans, Inc. must accept my payments and abide by the modification agreement to be filed on public record.
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (CA)

The original creditor was   XXXX   XXXX   XXXX   XXXX  . The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt.   XXXX   XXXX   XXXX   XXXX   assigned a debt collector,  United Recovery Systems.  I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off  to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date,   XXXX   XXXX   XXXX   XXXX   hire d 2 other  debt  collectors,    XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied.   XXXX   XXXX   XXXX   XXXX   then hir ed United Recovery Systems AGAIN t o collect the debt. This was on  XXXX / XXXX / XXXX .  United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM  United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN fro m United Recovery Systems ( now  know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

The original creditor was Departme nt Stores National Ban k. The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. Departme nt Stores National Bank assign ed a debt collector,  XXXX   XXXX   XXXX . I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off to  XXXX   XXXX   XXXX . I have the original letter of proof from them stating the debt is paid. Just after that date, Departme nt Stores National Bank hired 2 other debt collectors ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. Departme nt Stores National Ba nk then hired  XXXX   XXXX   XXXX   AGAIN to collect the  debt. This was on  XXXX / XXXX / XXXX .  XXXX   XXXX   XXXX  said they did not show a record of the pay off. I had to send a copy of the letter FROM  XXXX   XXXX   XXXX , TO  XXXX   XXXX   XXXX  to prove I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX  Departme nt Stores National Bank   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN from  XXXX   XXXX   XXXX   ( no w known as  XXXX   XXXX   XXXX  ) saying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  XXXX   XXXX   XXXX   XXXX   XXXX  saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!