davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (GA)

I contacted Medical Data Systems on XX/XX/XXXX to check the status of a medical debt placed with their agency. My insurance was retroactively paying the claim due to a mistake in billing so I was attempting to check the status of the claim. The original creditor is XXXX XXXX XXXX and the account in question is XXXX. When I spoke to the representative she informed me of another debt from the same original creditor. I explained I have no knowledge of this account and have not received any correspondence so I would need to speak with the hospital and that was not why I was calling. The Medical Data Systems Representative asked for my address and I gave it to her. I verbally communicated in this call that I have not received any communication regarding this account from XXXX or Medical Data Systems. She stated '' we mailed a letter in XX/XX/XXXX : to XXXX. I explained to her I have not lived there since XX/XX/XXXX. She then asked me for my current address which was given to her. On XX/XX/XXXX I received an alert there was a change to my credit report. I opened it to find this account was reported to the Credit Bureaus on XX/XX/XXXX. Medical Data Systems failed to provide written correspondence within 5 days of initial communication, along with notifying me of my right to dispute and what to do if I feel this is inaccurate and my right to receive a bill or proof this belongs to me. Medical Data Systems also violated my rights by knowingly reporting an account to the Credit Reporting Bureaus when they were informed I was not aware of this and I needed more information. I explained I was not going to pay a bill when I have no knowledge of these charges. The representative also stated I was informed of this debt last XX/XX/XXXX when I called to pay another bill. I told her no that is not true. I explained in XX/XX/XXXX I called to pay a {$110.00} dollar bill and was informed of another account with a balance of {$510.00} and that account was the one I was calling to check the status of because my insurance had payed it. She said no we told you. I explained that was not the case. I asked when was this account placed for collection because my XXXX account shows a XXXX balance. She stated it was sent to them in XX/XX/XXXX. I had just caught her in another lie. She also misrepresented the insurance status on the other account. I will be submitting a separate complaint for the other account since the representative also lied about this account as well.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.
Consumer complaint received 2017-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (MN)

I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. 
Although I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. 
I am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Kohls credit card in XX/XX/XXXX and always made payments on time. I ordered my annual credit report XX/XX/XXXX and found that Kohls had reported they charged off a balance of $ XXXX dollars. I was never mailed notices of payment overdue from Kohls. They never contacted me to tell me that they were going to report negatively to the credit bureaus. I do not even know if these charges are truly accurate or are charges I made, I am upset at Kohls - they have single handily ruined my XXXX+ credit score, My score is now XXXX. This year I was planning on refinancing my home and Kohl has ruined my credit score. I will never shop there again, I XXXX kohls credit credit reviews and found over XXXX complaints. Something needs to be done -they are hurting working families.
Consumer complaint received 2017-01-13
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (NV)

XX/XX/2014 I had an accident, I went to the XXXX Hospital in XXXX NV for treatment, after several months they were sending me bills, I contacted the hospital to send the bills to my medical insurance, they never sent anything to my insurance. I called my insurance and I told them I had that issue, they make several calls to the Hospital trying to get documents to pay that bill, but never got answers. Finally the Hospital sent my bill to an Agency Collection, the same way my insurance contac them to pay that bill never got answers, I have phone calls mesages from my insurance telling me unfortunately the collection Agency never provided the information my insurance request.My Insurance was XXXX ID XXXX phone XXXX, you can contact them if you need more information about my case.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (VA)

XXXX and Experian keep adding XXXX accounts from XXXX, XXXX, XXXX, VA XXXX to my credit file. I have disputed those XXXX accounts numerous times, they have been removed but months later added again. I also contacted XXXX directly requesting detailed information on how they have obtained my personal info and never heard from them. I 've called several times but was told they can not give information over the phone. 
Those XXXX accounts are not mine, nor do I know who XXXX, I never dealt with them, never gave them my personal and private information yet for some reason they have my info and keep submitting to my file. 
I need XXXX and experian to deny their requests of adding this to my file or provide proper information who they are and why they accept information from someone I have no business with.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (PA)

Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with them.
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Holloway Credit Solutions (GA)

I received a letter of an attempt to collect a debt back around XXXX and XX/XX/2016 from this third party collector. I in return sent the third party collector several Cease and Desist communications ( Which they verified they received ), well within the 30 days I had to response and the collector still placed this debt and called me on my credit report as late as XX/XX/2016, after receiving several Cease and Desist communications. After being notified that something had been placed on my credit, I called the third party collector to confirm date of receipt of this Cease and Desist Letter - and request removal from my credit because I communicated with them within the time frame they request. They told me that they " could not communicate with me unless I send in another letter removing the Cease and Desist communication. ''
Consumer complaint received 2016-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

I requested a copy of my promissory note a month ago to review the terms because I 'm considering consolidating my loans. Navient advised that it would take a few days to process. The only information I received in the mail was a copy of the previous servicer/lender history. I called again today ( XXXX ) and they initially advised me that they did n't have a copy of my note. When I pressed them on the issue they advised that it would take another XXXX14 business days to process the request. My payments are increasing on XXXX/XXXX/17 so I need this information quickly in order to make a decision on whether to consolidate. If Navient does n't have my note, they should not be collecting funds from me and these loans should be removed from their systems. If they do have my note, they need to send it to me quickly, preferably via email and if not email they should overnight it via XXXX or XXXX. Again, I need this information very quickly in order to make a decision about my financial future. In addition, I have some variable interest loans and the interest rates were just raised by the Fed. If my payments are increased before I 'm able to consolidate because Navient failed to send the requested information, they should be held responsible for any change in my payments.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was assessed an overdraft fee by Bank of America in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Bank of America, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.
Consumer complaint received 2016-12-29
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: JH Portfolio Debt Equities, LLC (MI)

My co-signer for a private student loan received a single phone call from a collection company, Credit Control. My co-signer explained that I was not available at that time but would pass the message on - the rep insisted that I knew of the debt as they have sent several letters and made several attempts to reach me by phone. No letters have been received, and no phone calls other than this single call have been made. A few hours later, I returned the call and offered to pay regular monthly payments starting in a few weeks time as I did not have a lump sum and could not at that time make a down payment. The rep told me that without immediate payment, " further collective action would be taken '' and he refused to set up regular payments on the account without a payment then and there, even after explaining that I did not have the money to make a payment at that time and that doing so would put me in a worse off financial position. I explained again that I was happy to make regular payments that I could afford starting in about 2 weeks time, and he again refused and fell silent. I felt harassed and bullied into making a payment which I could not afford at that time.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NJ)

I called a number of banks simply to learn the mortgage rates offered by the institutions. A number of them ( e.g. XXXX, XXXX XXXX XXXX, XXXX ) opened up loan applications in my name and ran full credit checks without asking whether they could. I now have multiple sets of loan documents and account numbers for applications I never requested. I only wanted mortgage rates to figure out where I was going to secure my mortgage.
Consumer complaint received 2017-01-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IA)

I am a XXXX XXXX XXXX veteran who is facing foreclosure on my home that is secured with a VA loan. The servicer of this loan is Citi Mortgage, they have dragged out the process and failed to review my financial information in a timely manner once I engaged with them to attempt to resolve this issue. After supposedly working on this for months, they finally responded to me via letter and stated that the requested paperwork was received to close to the sale date -- this seems to be an excuse to deny me access to the programs that I feel I qualify for. 

I bought my home in XXXX. In XXXX my employer transferred their business to Texas from Iowa, and I was out of work right at the height of the recession. I looked for new employment but was not successful, and had to rely on my savings to keep up with all of the bills. Then I became XXXX and unable to work at all, and the savings ran out and I feel behind on my mortgage payment a couple of years ago. 

I was told that since I had a VA loan that was sponsored by the government that there were programs available to help me get back on track and get a restructured loan with a lower payment. So I tried to start the process with Citi Mortgage. The problem is that they continually drag the process out and misplace documents or fabricate an excuse as to why they ca n't help me. I thought I was making some progress recently and was dealing with a gentleman named XXXX but before the review could be completed I received a letter stating that my request for help was denied because I had a sale date coming so Citi could not look at my information. 

Why is Citi not taking into account the multiple times that this information had been provided to them, yet they chose to never review these documents. Instead, they waited months, and then right before my sale date, they send out a letter saying, sorry, it is too late. Citi has backed me into a corner -- -their paperwork states that I am not able to resume making payments, because I must pay the full past due amount in one lump sum payment, which is impossible. So there is no way I can fix this unless Citi works with me. 

I know that I am behind on this loan, but I know that there are programs for VA loans that allow someone like me to get a better rate and payment and address the late payments. I am contacting your office to file a formal complaint since Citi is not allowing access to the government programs that should be open to struggling homeowners with VA loans. I do n't know why Citi is continually denying me access to these programs, not even giving me a chance to be reviewed or save my home. It does not seem fair. I served my country proudly and now face losing shelter for me and my son.
Consumer complaint received 2016-10-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

on XX/XX/2016 my representation submitted documents to citi bank for mortgage modification on my second mortgage due to reset XX/XX/XXXX. Since then it has been a constant process to keep supplying documents as they go stale from lack of action on Citi banks part. At some point they breached the privacy act by including my first mortgage ( citimortgage ) without my authorization. I made an information request on XX/XX/2016 as to how it happened and other questions including copy of my authorization and was given vague umbrella pass the buck answer yet my Home specialist name was all over it. That was XX/XX/2016 and citi has not responded to my representations request for status update since. That request went unanswered in detail.Today my representation informs me citibank will not talk to her unless i am present. I called number supplied by home specialist and it did not provide any means of entering extension provided by home specialist. I went through automated phone to mortgage assistance and just so happens my specialist got the call. When confronted about lack of status and updates, she claimed it was on hold for lack of documents which my representation confirmed was sent when requested ( conference call ) and that she ( home specialist ) was sick for two weeks, no alternate contact and no automated response she was out of office. Home specialist said I have to start over and that the second will reset in XX/XX/XXXX. Citibank has intentionally let documents go stale, ignored my QWR, stopped communicating with my representation since QWR, forcing me into default destroying my credit of XXXX+. Check consumer complaints and you see this is a pattern with citibank. Hard to get all this in a comprehensive manner. In short my complaints are simple and deserve looking into with a broad scope. 1. Citibank failed to respond to my information request 2. Citibank mishandled my personal information 3. Citbank is failing to work with integrity to help me and other homeowners wanting to keep their homes despite federal regulations that mandate assistance. Bait and switch, take in the applications drag them out until foreclosure, take the property and meet the numbers for assistance applications then blame the homeowner for failing to provide some obscure meaningless document for successful modification. 
In my research Citi Bank and citimortgage have XXXX different tax id # s neither of which are registered with XXXX ca, more confusing is my statements come as citi bank and citi mortgage yet the year end mortgage interest statement for both just shows citimortgage tax id number? Im a consumer please help me keep my home and police the actions of this bank.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I signed up for the American Express EveryDay Card on the sign-up offer of XXXX Membership Reward points as long as I spent over {$2000.00} in 3 months. I met the terms of the offer by spending over {$2200.00} in the first three months - which was confirmed by several American Express representatives - and 6 months later I have still not received the points. During this same time I also added a American Express Offer on two different American Express cards that said I would earn XXXX points if I spend {$200.00} at a hotel chain. I spent the {$200.00} dollars on both cards ( {$400.00} total ) and only received the points on one card. I 've contacted American Express multiple times over these issues and each time the representatives assure me that the points will be added to my account shortly, which has yet to happen.