davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CO)

XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore LIJ Health System (NY)

North Shore LIJ Medical Center ( " NSLIJ '' ) has referred me to a collection agency for amounts that they never invoiced me. 

On XX/XX/XXXX, my daughter had a procedure done at NSLIJ. The billing was processed through our insurance, and we verified our personal information and our insurance information on the day of the procedure. 

On XX/XX/XXXX, I received a call asking me to call NSLIJ. I spoke to a representative of NSLIJ on XX/XX/XXXX and was notified that I had not paid the amount I was responsible for, after insurance payments, for my daughter 's procedure on XX/XX/XXXX. I informed the representative that no invoice was ever sent to me. I also confirmed my billing address. It should be noted that the NSLIJ representative did not inform me that there was any issue with my billing address. 

In the second week of XXXX, I received the letter from NSLIJ dated XX/XX/XXXX claiming that " Despite several bills, letters and telephone attempts we do not understand the reason why this balance is still outstanding. '' The balance noted in the XX/XX/XXXX letter is {$300.00}. No invoice for this amount ( or any amount ) was sent to me following the XX/XX/XXXX phone call with NSLIJ. 

On XX/XX/XXXX, I called NSLIJ to inquire about the XX/XX/XXXX letter. The NSLIJ representative informed me that NSLIJ had been sending notices to an address that I have not lived since XX/XX/XXXX. The NSLIJ representative had no explanation for why they were sending invoices to the wrong address ( and one that I had not lived in for 10 years ) since I verified my address on multiple occasions including ( i ) on the date of my daughter 's procedure ; and ( XXXX ) on my phone call with the NSLIJ representative on XX/XX/XXXX. The NSLIJ representative said they would send an invoice in the mail now. 

Shortly thereafter, I received XXXX invoices dated XX/XX/XXXX from NSLIJ - XXXX for {$300.00} and XXXX for {$230.00}. I paid both invoices in full on XX/XX/XXXX by phone. 

On XX/XX/XXXX, I received a letter from a collection agency - XXXX & XXXX - dated XX/XX/XXXX for {$39.00}. 

It is outrageous that NSLIJ has referred me to a collection agency for an amount that they never billed me. I repeatedly informed them that they never sent me invoices and requested that they send me invoices so that I could pay any amounts owed off of the invoices. They admitted that they were sending bills to the wrong location. They repeatedly assured me they would send invoices to me. They sent me XXXX invoices which I paid in full. Now they have referred me to a collection agency for this amount which they never sent me a bill for. 

I take great care to maintain an excellent credit rating. I do not want my credit rating to be adversely affected by NSLIJ 's mistakes and improper referral of me to a credit agency.
Consumer complaint received 2017-02-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Stephen Einstein & Associates, P.C. (NY)

XXXX obtained a default judgment against me for a debt I have no idea what it is. And i was never served papers to appear in court to defend myself .XXXX was sued in a class action lawsuit and went out of business selling their paper or debt they had to Stephen Einstein & associates who is now garnishing my wages this is now twelve years after the original claim by XXXX.I did have an attorney send a letter to XXXX and he never responded to my attorney at all..I have every letter and document that I have received in my possession if you need it sent to you.
Consumer complaint received 2015-08-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TENET HEALTHCARE CORPORATION (TX)

My   XXXX   credit report shows a collections in the amount of {$150.00} from Synd Offic opened on XX/XX/XXXX . I have made several attempts to obtain information about this claim. I 've contacted both the company and the credit bureau requesting them to send me proof of this debt, and to remove this incorrect information from my credit reporting. I never got a response from neither. In  XX/XX/XXXX  I resent this request as certified mail and still no reply. In  XX/XX/XXXX  I sent a follow-up letter to check the status of my request but no one has contacted me regarding this issue.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Had credit report ran to obtain mortgage loan  XXXX  2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus  XXXX , TransUnion, and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I HAVE APPLIED FOR A HARDSHIP ASSISTANCE WITH MY SERVICER BANK OF AMERICA AND THEY HAVE DENIED ME STATING THAT THERE IS NO HARDSHIP. MY INVESTOR IS XXXX AND I HAVE GONE TO THEIR WEBSITE TO VIEW REASONS FOR HARDSHIP AND THE GUIDELINES TO SEE IF I CAN APPLY AND IT CLEARLY STATES INCOME REDUC : " Eligibility You may be able to modify your home loan under one of the programs we offer if all of the following apply : You 're experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment '' I HAVE APPLIED AND WAS DENIED DUE TO NO HARDSHIP, I REAPPLIED BECAUSE THAT IS NOT TRUE AND THE UNDERWRITER STATED THAT THEY WILL NOT REVIEW MY FILE BECAUSE I HAVE NO HARDSHIP. FIRST OF ALL BANK OF AMERICA IS ONLY MY SERVICER NOT MY INVESTOR, WHO DO THEY THINK THEY ARE TO TELL ME WHAT MY INVESTOR WILL OR WILL NOT DUE. SECOND MY INCOME IN XX/XX/XXXX WAS {$XXXX} " TAXES PROVIDED AS PROOF '' AND MY INCOME FOR XX/XX/XXXX WAS {$XXXX} " PROVIDED XXXX AS PROOF ''. IT IS AS CLEAR AS DAY THAT MY INCOME HAS DECREASED {$XXXX} FOR THE YEAR. THAT IS PROOF I AM EXPERIENCING A FINANCIAL HARDSHIP. HOW DARE BANK OF AMERICA TRY TO VICTIMIZE ME FOR ANY REASON, I WILL NOT GO DOWN QUIETLY AND LET BANK OF AMERICA BREAK LAWS.
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I sent a piece of certified mail to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received by BANK OF AMERICA on   XXXX   XXXX  , 2017.. This demand letter for specific validation was never responded back to within 30 days of receipt of my certified letter. BANK OF AMERICA is in violation of my rights under the FAIR DEBT COLLECTION PRACTICES ACT. I then sent a certified letter back to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received on   XXXX   XXXX  ,2017 informing them that they did not respond back to my direct validation dispute and they are required to remove this from my credit immediately. Currently BANK OF AMERICA is still on my credit and they will need to remove this trade line from my credit immediately.
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My husband and I have multiple bank accounts with Capital One. Joint checking, business checking, savings, and savings accounts for my children, and a checking account for my mother in law that we also control ( 6 or 7 accounts in total ). We have had these accounts for many years - originally with XXXX, and then Capital One when they bought XXXX. On XX/XX/2017 we received 4 letters in the mail ( one each for XXXX of the accounts ) dated XX/XX/2017, saying the following : " Your account ending in XXXX will be closed on XX/XX/2017. As provided in the rules governing deposit accounts that you received at account opening, Capital One Bank may close any account in our sole discretion at any time and for any reason. We 'll send you a cashier 's check for the balance. Please stop writing checks and cancel any automatic deposits or payments for this account right away. If you have any questions, please call us at XXXX or stop by the branch. Thanks, Capital One Bank '' This is the first notification we have received of this. We have a lot of money in the bank. We have never once overdrawn. I have a huge amount of time invested in setting up bill payment, direct deposit, online access, etc. This is a HUGE inconvenience, and while it may be allowed, I ca n't in my wildest dreams imagine a business reason for doing it. 

We called the number on the letter immediately. That was Thursday evening XX/XX/XXXX. My husband went through 3 layers of people. Nobody could help. He was told that he had to speak to a case manager, and that person would call on Friday ( they never did ). He tried calling and once again got nowhere. He went to the branch ( as mentioned in the letter ). They could do nothing for us. They said they have no access to the system that could explain this. Now it 's the weekend. We will be out of town for much of this coming week at a conference for business, so we have almost no time to deal with this. By the time we return it will be XX/XX/2017 and the accounts will automatically close 2 days later. We ca n't wait any time at all to be opening new accounts and have a way to pay bills. I ca n't fathom a reason for this. The only possible explanation we were able to get from the 3rd person on the phone on Thursday night was that they had discontinued offering the types of accounts that we have. Okay. So, why not send a letter saying that, and give us 30, 60, or 90 days to transfer to a different type of account?
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I disputed multiple inquiries on my credit report on XX/XX/XXXX I disputed these inquiries : XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX Show DetailsXX/XX/XXXX, XX/XX/XXXXEquifax Mortgage Services : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX , XX/XX/XXXXXXXX XXXX Show DetailsXX/XX/XXXX,XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX  Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXXXXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX. Upon disputing these I stated that I did not give provision for the companies to run my credit. According to Equifax these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on XXXX, and XXXX and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX XXXX, I opened a credit card account with Bank of America. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington National Bank did a hard inquiry on  XXXX / XXXX /2017 without my permission! I have not personally requested for any loans or credit from them. I am a victim of identity theft and currently have identity theft alerts on all my credit reports. This additional unwarranted and unauthorized inquiry is causing damages beyond their knowledge! I want to know who personally requested my private information so that I can have law enforcement take proper actions. I am tired of being abused in this manner.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, 2017 To Whom It XXXX Concern : The following accounts are showing on mycreditreport that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from mycreditreports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$210.00} XXXX {$630.00} XXXX {$330.00} XXXX {$510.00} XXXX {$4100.00} XXXX {$3700.00} XXXX {$1900.00} XXXX {$3400.00} XXXX {$2700.00} XXXX {$9300.00} XXXX {$3900.00} XXXX {$5000.00} XXXX {$7400.00} XXXX {$1400.00} XXXX {$2500.00} XXXX {$4300.00} XXXX XXXX {$1400.00} XXXX XXXX DEBT {$270.00} XXXX DEBT {$630.00} XXXX XXXX XXXX {$180.00} XXXX {$110.00} XXXX {$6900.00} Thank you for reviewing this and getting these items off my report immediately. 

Best Regards, XXXX XXXX XXXX : XXXX SSN : XXXX
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

On   XXXX   XXXX   I applied for a payday loan, and they only gave me the option to pay it on the  XXXX  which is n't my actually pay period. To my understanding just like every other payday loan companies they go based off my pay periods but Advance America did not! So I called   XXXX   XXXX   and spoke with them about it and asked if it can get pushed to the actual day I get paid because I do not want a late free and my bank account to be over drafted. She explained to me she could n't and I would have to wait and take the late fee of {$15.00} extra dollars and I would have to pay {$310.00}. I also went and asked if they was a way I can split and it was also told to me I could n't. It was very inconsiderate unlike  XXXX  or   XXXX   where they can work with you, reschedule and be flexible Advance America was n't and they charged me a great amount to pay back from just {$250.00}. I am completely enraged and upset with them because now in my bank account I over drafted and I owe the bank money!
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX    XXXX  for  XXXX     2017.   They have, however, paid the taxes for  XXXX  2017- XXXX     2017. T hat payment was only made just recently, as up until just a few weeks ago both  XX/XX/XXXX  and  XX/XX/XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,