davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

A Collection Agency named Progressive Management say I owe {$330.00} to them for a medical bill XX/XX/XXXX. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around XXXX. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked XXXX and XXXX to see if they can find it, I even called XXXX to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried for a credit card in XXXX with my mother to see if I can do a joint account for a credit card and they told me the same thing. this debt collecting agency was on my record. So after that I research them and found out they scam people in debt that is not real. I found out they went for people who had someone deceased in their life. If it was their child, spouse, or even ex spouse. They have been around since XX/XX/XXXX. Now XX/XX/XXXX I finally have a credit card but still have this in my record and I just want it finally removed after finally getting this letter of last month showing that this company actually is on my record on this piece of paper.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, we initiated a mortgage refinance with US Bank in XXXX, CA. We completed the application, provided all information and got our rate lock and paid money for our appraisal. We emphasized that our HELOC was maturing and we needed to get this completed. They quoted 6-8 weeks. The appraisal came in higher than expected and the loan was sent to underwriting. Then everything fell apart. They delayed our loan for weeks. Then they sent a request for our accountant to give a forward-looking statement that our business would remain solvent for the foreseeable future. Our accountant stated in writing that it was against XXXX for him to provide that and provide the routine letter about our health. We provided tax returns and P & Ls. Finally after complaining that we felt we were being treated unfairly, they agreed to accept a letter from our CFO, and they drafted the letter. We complied and delivered the sign letter. They went silent for two weeks and all of inquiries were met with " we 're working on it ''. Three weeks later, they responded that they would not accept the letter and instead wanted a cash-flow analysis from our accountant stating again that the business would remain solvent into the future. They also mentioned our bank could provide that information. We took this to our business bank, XXXX XXXX, and their legal department said they had never heard of a bank making this request and that no bank or accountant could make that claim about future results. With nowhere to go, we had to cancel the loan after 10 weeks. We are now dealing with a second that has matured because of the delays and faced with starting the process again. We do not feel that we were dealt with fairly, and perhaps even in a discriminatory manner. We do not believe they treat others with our similar credit history and income level this way. It may also be that they quoted too low an interest rate ( we have been told that by XXXX mortgage brokers ) and simply wished to get out of the agreement.
Consumer complaint received 2015-05-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (MN)

my name is XXXX XXXX i own the house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my mortage company pacific union out of XXXX.well back in XXXX 2014 i received a letter saying that my escow was rasied XXXX. to XXXX a year for hazard insurance but i called my akin insurance and they said that it XXXX a year but pac union is been charging me for XXXX a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from XXXX.month to XXXX a month thats XXXX more a year collected my number is XXXX XXXX central time my mortage number isXXXX..i want to take legel action against them for not honest.and over charging me.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each month.
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Physicians & Dentists Credit Bureau (GA)

XXXX XXXX has committed insurance fraud. She claimed visits that I never made/attended. She received payments for services not rendered because I was never there on certain dates. She runs a business out of her home and has no legal process for check in/check out, or billing. I believe she fabricated invoices because again, I never attended the number of sessions she claimed and received payment for. She ruined my credit, caused me undue distress, and harrassed me over a debt that was paid promptly by my insurance company. According to XXXX XXXX, she repeatedly sent duplicate claims to them, stating she was not paid. 

She does not have proof of my visits because she never asked me to sign anything upon arrival ( aside from my initial assessment ). There 's no proper check in process. She told me she would just give me a certain diagnosis over the phone so that XXXX XXXX would cover my visits. Then after XXXX XXXX sent her payments, she called me and told me they were cancelled and I personally owed her money. She then proceeded to threaten to take me to court if I did not pay her. 

XXXX XXXX paid all of the claims she submitted in a prompt manner, and she continually harrassed myself and XXXX XXXX, stating we owed her more money. I have proof that all claims were paid ( cashed checks made from XXXX XXXX to XXXX XXXX, as well as a ledger ). I 've repeatedly disputed this with XXXX and am in the process of disputing with the XXXX other credit bureaus, and according to XXXX, XXXX XXXX refuses to remove this from my credit report. My account was closed on XXXX/XXXX/12 according to my credit report. However, she refuses to remove it and it should have never been on my credit report.
Consumer complaint received 2015-05-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC (FL)

This company XXXX XXXX has been calling friends and family even people not associated or related to me. XXXX of the girls spoke to my son about a debt I supposedly owe, telling him information about this so called debt, and that I will be taken to court, they can and will attach my XXXX payments and all means necessary to collect this. She said " we have her social security number and everything, we want this paid. We can offer a settlement and he explained that I am on XXXX and she said that does n't matter, they can and will attach payment from that. She even went so far as to ask him if he would make the settlement payment for me. I have just been released from the hospital two days ago after suffering a XXXX XXXX on Sunday XXXX XXXX, 2014. I am sure they are not permitted to disclose any information except to me, but they went into great detail with my son. He was at work at the time. They also contacted my ex-husbands wife on her cell phone while she was at work. I am hoping that you can stop this harassment before it gets more out of control, and the fact that they disclosed information to someone other than me, meaning my son is unacceptable. Thank you.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid with a Check from XXXX XXXX XXXX the amount of {$300.00} to KOHLS, XXXX XXXX. 
They clear the check from my XXXX XXXX XXXX Acct. After That KOLHS said they never cash the check because it was return. I went to XXXX XXXX XXXX and the fax to KOLHS the the CHECK # XXXX, cashed by them. 
After that they continue charging me the balance. I called again and ask what else I can do to prove the check was chased and never return to my acct. They request to me fax my last XXXX Bank statements where it show XXXX, XXXX and XXXX, I did fax to them. After that I still receiving letters from them collecting the XXXX. 
Please help me to resolve these problem, I feel tire and frustrated, these is a violation of my consumer rights, and can damage my credit reputation. 
Thanks, XXXX XXXX
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account at Capital One Bank and the last time I used my debit card was on XXXX/XXXX/2016 at a XXXX DVD Rental station. I could n't find my card and called the bank on XXXX/XXXX/2016 and reported it lost. I went online and saw that all my money was gone. The bank representative said they locked the account and cancelled the card. They transferred me to the fraud department which was closed and I had to call back the following morning. When I called back the next day, the fraud department transferred me to the claims department who said they processed a claim for all the transactions after XXXX/XXXX/2016 as fraudulent. They said the issue would be investigated and it can take from XXXX business days. I called everyday for an update and each time I was told that I need to wait until I am contacted. I was also told that my fraud investigators name is XXXX. I called back on XXXX/XXXX/2016 and the representative told me that my claim was denied due to multiple ATM withdrawals being done with a pin #. I asked for the transaction details as to where and if surveillance can be looked at because I did not make the withdrawals. I was told that they can not release that information to me and I should get a lawyer to subpoena the records. I went into a branch in XXXX XXXX, XXXX and the banker was very friendly and gave me an affidavit which I took to the police station to file a report. He also provided me with a print out of the transactions. I have not received a call from my investigator at all. In addition to the the ATM withdrawals there were funds being transferred in and out of the account, fraudulent checks and point of sale purchases made in XXXX XXXX and I reside in XXXX. Capital One did not properly investigate my issue. One of the accounts that the funds were moved into was also a closed account which makes no sense. Hopefully, someone can help me and investigate Capitals Ones procedures or process in following consumer laws! They can clearly see that the checks are fraudulent and the purchases are in another state. I googled the store # 's. Why did n't their systems pick this up? After I called on XX/XX/XXXX, they still honored fake checks and the signature is n't even mine. Someone at this bank messed up or they do n't have a good fraud detection process and they are unwilling to help me.
Consumer complaint received 2015-12-15
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ditech Financial LLC (MN)

I have been paying on a loan for a used mobile home at XXXX XXXX starting XXXX/XXXX/XXXX. Green Tree has done everything to me from hundreds of Phone calls, telling my neighbors, making me pay the XXXX dollars a month for over the phone payments.Tricking me into multiple payments. There are many, many more.The landlord of the park will not help with any problems that the parks bad water ( raw sewage in the water lines.There are many more problems. The biggest problem is his lawyer keeps on wanting {$2000.00} now and then or they will evict me.I was terminated from my job of 35 years of service for being 10 minutes late. My banking is at XXXX XXXX in XXXX mn, ( XXXX XXXX office ). Nobody will help me. I ca n't afford a lawyer and nobody calls me back. I have a pension and XXXX 401k's.I have a girlfriend that 's been with me for over 20 years. Her son was murdered XX/XX/XXXX nobody calls that much to help us. She is mentally handicapped and I am trying my best but there is so much damage that we both are overwhelmed.
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX/XXXX/2015 Dear FTC : I wish to complaint about Equifax Credit Services, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 
Equifax refuse and ignore to investigate and correct fraudulent info on my credit file. 

I am filing my complaint because in the pass several years Equifax ignore and refuse to investigate and make the necessary correction on my file. This fraudulent business practice make me loose a lot of money and lost a lot of business opportunity 's. 
I did request several time over the phone and buy regular mail to Equifax correct the fraudulent credit report, lately on XXXX XXXX, 2015 send a certified mail with return recite but is bin nothing happened from Equifax. 
Please attachment. 

I do believe that Equifax business practice is unfair because I given numerous time opportunity 's to correct and I believe that Equifax haze an obligation to me. 

I also requested numerous time to send me my annual free credit, but Equifax ignore this request also! 

I believe that the FTC haze the power to make Equifax to correct and send my corrected report to me on the next short period of time. 

I look forward to hearing from you as soon as possible to resolve this problem. 



XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-05-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have a fairly common name, XXXX XXXX. Portfolio Recovery is calling my house multiple times a day. I 've talked to them XXXX times yet they persist in calling me. At the time of this writing, the only debt I owe is the mortgage on our house, a car payment, and a couple grand on our XXXX that we will pay off this month. This company is relentless and I do n't even owe anything! I can see how the XXXX, the XXXX, or folks who do owe a debt but ca n't pay it would be hounded by this company.
Consumer complaint received 2015-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Messerli & Kramer P.A. (MN)

They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone.
Consumer complaint received 2016-01-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

As a advocate for my father, XXXX XXXX ( who took ill in 2009 ), Wells Fargo Foreclosed on his home, in XXXX, PA, and then made it appear ( once this matter was filed with CFPB ) ; as though they were going to give my family a chance to purchase my father 's home back. But Wells Fargo knew all along that they were n't going honor the Real Estate inspection, or, the engineers report, which mentioned the tremendous amount of work that needed to be completed at : XXXX XXXX, in XXXX, PA! The Wells Fargo representative that was assigned to me : XXXX XXXX XXXX ( of the Office of the President ), strung me along -- letting us believe that our offer on the house was going to be excepted, and as long as we worked with their realtor : XXXX XXXX of : XXXX of the XXXX that our chances were great. However, due to the ( extreme ) rudeness of XXXX XXXX, we knew that the deal was NOT going to go through, as her reputation in the XXXX is not good at all!!! We assumed that Wells Fargo 's intention was just to let the house ROT, Vs : addressing all the issues in the " newly '' constructed home and allowing us to purchase it, fairly!!! Honestly, I have never seen anything like this in all my days!!! How can a bank issue a construction loan, and then not address any of the " structural '' damages, and then foreclose on the home (? ) *This is despicable to me, and I am truly disgusted by the way this entire matter went down -- from start to finish! If this is the American Dream, then something is absolutely WRONG!!! Where is the compassion for the sick? And why is n't the TRUTH respected anymore? ( The engineers report and the inspections report that was provided to Wells Fargo was thorough, which we paid good money for! Yet, Wells Fargo did n't give a hoot about the " truth, '' regarding the damages of the property! ) After all of this, I 'm thinking perhaps God has another plan for us! And he did n't want to see the roof come tumbling down, because the home was truly " the house that " XXXX '' built! '' At this point, it is what it is! However, I must say, Wells Fargo is certainly a financial institution that takes pride in misleading individuals!!!
Consumer complaint received 2015-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (ID)

I have disputed this issue with all credit bureaus but I think they did n't understand my dispute. My complaint is about XXXX Mortgage XXXX. Wells Fargo Home Mortgage lost a class action suit because of their fraudulent mortgage practices.. I was part of that suit. It started 2012. I left consumers an option to recover additional monetary damages and other remedies. My credit has been damaged because of them reporting it as " foreclosure ''. I ca n't get any credit, loans, etc. 
My mortgage account was under XXXX XXXX.
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been informed that negative information is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Toledo, Inc. (OH)

I contacted this company via us mail requested verification of debt. I also filed a claim against this company for failing to provided the verification of the debt and the account that they are reporting. They responded by sending an statement but failing to provide other proof as I requested. I requested for them to provide 1 ) What the money they say I owed was for. 2 ) The original creditor and how the amount was calculated. 3 ) Proof that they were assigned to the debt or owns the debt. 4 ) Proof that the statue of limitations are not expiredAdditionally, when I spoke on the phone with a XXXX XXXX that represents the company, he refused to allow me to make arrangements and threaten to take me to court over the amount that I owe. He told me that he would not accept anything less than XXXX regardless of my financial hardships which was not his concern. I spoke with him at my job which is a recorded line to prove his conversation. 
This statement that was sent to me via mail is not enough information to verify their claim. Attached is copies of what they sent.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rauch-Milliken International, Inc. (OR)

Our company, XXXX XXXX XXXX XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, XXXX & XXXX, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX XXXX an advertising company based out of Utah XXXX. On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX Rauch Milliken International , Inc., stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.