davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Ocwen Loan Servicing is the most difficult company to communicate with I have ever had any dealings with. I email them and get no response. If you call and someone should answer you must make an appointment with a rep of the company to call you back in two or three weeks. If you manage to have the discussion with the ocwen rep you wo n't be able to understand a word of the conversation because they barely speak english. That is absurd. What does it take to get a simple answer to simple questions. It is as though they do not care nor do they want to be of any service to their customers. I did not choose them as my mortgage company my loan was apparently bought and sold a few times and they are what I wound up with. Terrible.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CA)

I lost my job and was trying to find a way to work with my bank considering my line of credit. I told them I had trouble paying the minimum payment. They told me they could n't help me if my account was current, and that in order to get help, I need to owe a payment. So I did that, and then they told me I could n't qualify to get a loan or to get help because I had a delinquency. Now I am stuck, and I still can not afford the payment. I have complained to customer service, and even went into a branch where the representative was given the run around by their own customer service. I was then told in so many words that I ca n't get help until I get out of a " dead end job ''. As if I have n't tried! Then this same institution gave me an overdraft fee the same week that their exec got a ton of money after frauding people over products they did n't ask for.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I owned a condo in XXXX and had decided to rent it for two years. In XXXX XXXX my tenants stopped paying rent and I was not able to pay mortgage since sine was the income I relied upon. At this time, I also had the property listed for sale and was receiving many offers and knew a deal would close soon. As soon as I knew I would have a problem paying mortgage I called Wells Fargo to see if there was anything they could do to assist. I had been a loyal customer for 8 years and had never missed a payment once. I was told that since the property was listed I did not qualify for any of their assistance programs. I received calls day and night from Wells Fargo representatives trying to collect the debt and each time I spoke with the representative I explained the situation and asked if there was anything I could do. Each time I was told the only resolution was to pay the debt in full or they would report the delinquencies to the credit bureaus. I was unable to pay mortgage for 4 months and as a result my credit score suffered a major hit and fell XXXX points. XXXX XXXX I called several New York State agencies trying to see if I could get help and was referred to HOPE. I spoke with one of the counselors, explained my situation and together we called Wells Fargo to see if they would assist. While the HOPE agent was on the line, we were told that nothing could be done to help me since the property was listed. In XXXX XXXX I received an email from Wells Fargo stating that I had been approved for a streamlined modification. I was surprised because the property was still listed, and for moths I was rejected from receiving any assistance and had n't applied for this modification. When I called to speak with a representative I was told that I qualified for the program because I had n't missed payments in the past. I asked why I was n't advised of this program back in XXXX XXXX when I first reached out for help and was not given an answer. Had I been advised that I qualified for an assistance program, I would have been able to work with the bank while the sale was pending. Instead I was ill-advised and as a result my credit suffered. Now that my property has sold and I want to purchase a new home, I can not do so because my score is very low. I will have to pay very high interest rates if I can even secure a new loan. I worked very hard for years to maintain an above average score and because I was rejected from a benefit I should have received I am now suffering this financial injustice. When I initially called Wells Fargo in XXXX XXXX I should have been advised what my options were but instead I was rejected and my credit suffered. Having been a loyal customer for 8 years I am shocked that the bank has neglected to service me properly and put me in such financial jeopardy.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (KY)

I purchased appliances total almost {$5000.00}, the contract was XXXX interest until XXXX XXXX ( minimum payment ( {$140.00} ). I have been paying pre scheduled weekly payments that totaled {$300.00} to {$350.00} every month until XXXX XXXX and changed it to Bi weekly and some weekly, paying smaller amounts thinking my payments should of been XXXX due by this time. This month I am showing a minimum payment {$210.00} and a past due of {$57.00} when I only owed XXXX to pay it off. 
The Customer Service agent I called and tried to explain something was wrong and that I was charged a late fee of XXXX when I should be way ahead of schedule. He was very rude. I am considering closing all my Synchrony Accounts if this is how they are going to treat their good customers
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (KY)

When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

I consulted XXXX to consider taking my legal case. I was told that I needed to pay a retainer so the law firm would be able to take my case because they where pro bono to the max. After making payment, I suspected that the firm turned my retainer into an opinion letter with no real consideration on representing my case and notified the law firm that I already paid for an opinion letter and I was only interested in having my case represented. The law firm use bait and switch tactics presenting me an opinion letter with various errors and conspired to make me talk to their XXXX and used that as the sole reason to deny representation after the fact. I was told that I may have to pay fees to the doctor but I was never informed that I would have to talk to a doctor and the single reason my case would be denied representation could be based on just that fact. Additionally, the law firm invoiced me and went back and added more charges after the fact. The service that I was led to believe I was paying for was substantially misrepresented and converted into a fancy email with many material factual errors and when those errors where mitigated the law firm decided to fall back to the 30 minutes XXXX as the sole reason to shirk their duty. I was substantially led to believe my case needed to be evaluated so that I could be represented by XXXX when in fact XXXX only planned to rush an error prone glorified email report with no real intentions of representing my case using any means to reduce the merits of my case even though I corrected the majority of the discrepancies only to be denied from their internal XXXX report even though a retainer had been solicited. Retainers are generally used for the duration of legal representation in my opinion and this bait and switch tactics is not acceptable.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not help me.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION (IL)

On XXXX/XXXX/XXXX I filed a complaint against CACH LLC XXXX in regards to a debt on home title that was cleared in BK Chapter XXXX Court. They responded that it was going to be submitted in court to be removed. As of XXXX/XXXX/XXXX it remains on title and I will be forced to Foreclosure very soon as the bank is not wanting to wait much longer.
Consumer complaint received 2024-10-17
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (MA)

Medical bill received for {$1000.00} from XXXX Hospital on XXXX/XXXX/2015 for an XXXX XXXX visit on XXXX/XXXX/2015. XXXX paid in full on XXXX/XXXX/2015. Debt collecting agency Windham Professionals , Inc. contacted me on XXXX/XXXX/2015 to collect debt, despite that it was paid in full. Windham Professionals , Inc. claims that they have contacted the hospital to verify that I had paid the debt in full, but are claiming that it was n't. After contacting the Hospitals billing department, It was confirmed that my bill was paid in full with a balance of {$0.00} and that XXXX XXXX is NOT affiliated with Windham Professionals , Inc. Not only is there no debt that I owe, but they are trying to convince me I owe a {$710.00} debt. 

Attached are Bills from the hospital showing the true amount owed, listing of claims from my Health Insurance company ( XXXX ), proof of bank statement payment, bill from Windham Professionals , Inc.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Debt Recovery Solutions, LLC (NJ)

On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (GA)

In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I previously submitted a claim : Case number : XXXX. I was not happy or satisfied with Wells Fargo 's Response. They did not address the issue, the only sent me letters explaining the way my account was set up. Never addressed the information protection violation that wells Fargo engaged in when the shared my information with others. Me and my wife have been recovering from XXXX and it was difficult to respond earlier. I would like wells Fargo to admit what they did was wrong, issue a real apology and a solution to recover and correct the financial loss we have incurred due to the sharing of our private information with others. We have been receiving phone calls, emails, as well mail, that seems to be a direct result of information sharing.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (TX)

I have no unpaid debt. I have a mortgage that I have always been up-to-date on, and I always pay my bills on time. I have checked my credit report and have seen no red flags. My credit score is XXXX. And yet every day for the past two or three weeks I have gotten a robotic message on my answering machine from Van Ru ( sp? ) asking me to call them. I have n't called them because I know I do n't owe any money, but I want them to stop calling me.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ME)

This is the XXXX addendum to my XXXX complaint. I returned a call to Wells Fargo, thinking that it was about this complaint. I could n't have been more incorrect. I spoke with XXXX XXXX and was informed that even though I signed all the mortgage documents on XXXX XXXX, now, a month later I still owe them {$640.00} because the title company screwed up the numbers. I was told that I need to call the title company. You can not imagine my level of frustration. To be honest, I am so sick of these banks not being held accountable. 
XXXX they try to take {$2200.00} out of my account that I did n't owe them. Then, they tell me that they had no record of my call to stop the auto payment, then they tell me that I have to call my bank to stop the payment. They then proceed to try and take {$2200.00} out of my account XXXX more times. In the mean time I 've been charged XXXX in overdraft fees and recurring overdraft fees. Oh and by the way, my bank wanted to charge another XXXX for each of the stop payments, which would have been another {$69.00}. Now, this thing about the title company screwing up!! Seems to me that a violation of the Electronic Funds Transfer Act and parts of the Real Estate Settlement Procedures Act occurred here. They keep telling me that I have to fix their mistakes and pay for their mistakes.