davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

I am getting daily call collection calls from an unknown collector at ( XXXX ) XXXX. The collector refers to an alleged medical debt of {$310.00}. This medical medical claim has been paid to the hospital by my insurance company. However, the collector falsely states that the check was sent to me. However, the collector refuses to provide me with a documentary evidence to support this statement.
Consumer complaint received 2015-06-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

My family members and I have had a terrible experience with this company. This company has proven that it does not care about its customers. Since it is obvious that I am not going to get any assistance from this company I am writing this in every place that I can think of to help other consumers avoid the mistake that my family made. There are similar companies like XXXX XXXX that will offer you the same services but with a much better outcome. 

My mother sent me a money gram and it was impossible to pick it up. She went to the store and told me that I needed to pick it up within 90 days and that I should pick it up yesterday. At the store she sent it at, they told her that it would not be a problem for me to pick it up yesterday and even if it was after 90 days I could just call MoneyGram and they would assist me with picking it up at whatever time I needed it. 

On yesterday, I went to CVS to pick the money up. I used the kiosk and spoke to a money gram customer service agent ; he was rude and so were all of the other agents I spoke with. Furthermore, he purposely took down my license number incorrectly. He repeated the things that I said so I know that I gave him the right license number. He told me that I would be able to receive the money and to pick it up from the CVS cashier. The CVS cashier told me that I could not receive the money because there was a block on the money and because my license number was written down wrong. So I went back to the kiosk to call the money gram customer service officials again and the individuals kept hanging up. This kept going on for over XXXX hours. I would call, they would hang up immediately, put me on hold, transfer me, give me the wrong information, yell at the CVS store clerk and blame the problem on him, and/or eventually hang up with no assistance to me. There was XXXX guy who was exceptionally rude and he refused to give me his name. He constantly kept hanging up on me. I think his behavior is extremely unprofessional and he should be fired. Basically, I spent hours trying to reach customer service agents and they refused to assist me. The store clerk was there to witness this. I was in a store alone until XXXX and I had to walk back to my apartment by myself ; my elderly XXXX mother who is in a different time zone was up until XXXX in the morning worried about everything. 

I know that this was very unprofessional and just plain rude and they just did not want to release the money. I think that this is unacceptable and something should be done about this. MoneyGram it would be very considerate of you if you realize that your consumers are human and you treat them as such. Furthermore, consumers please be wary of this company.
Consumer complaint received 2015-11-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My house foreclosed and I had a second mortgage that was not forgiven in the amount XXXXThe company XXXX XXXX offered a 20 % settlement with me which I did n't originally agree upon and asked for 10 %. They would not do 10 % so I later agreed to 20 %, however they said they sold my debt to a law firm XXXX MN. XXXX would not respond to any of my attempts to make payments to them and threatened to garnish my wages if I did n't immediately sign an affidavit and payment plan to pay them in full. I asked them where I could send payments and they ignored me. They only communicated with threatening letters and phone calls. Finally under duress and the only way I could get them to tell me how to send a payment was I signed their pressured paperwork. I feel they used threats and fear to ignore my attempt to pay them the original agreed upon 20 % settlement which they forced to 90 % now.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Collections Enterprise, Inc. (MD)

I want to file a complaint against this collection agency XXXX American Collections Enterprise Inc XXXX I requested a debt validation because these accounts just appeared on my credit report without any written notice to me or how I can dispute the debt or seek verification after five day of our initial contact, which is a violation of the Fair Debt Collection Practices Act section 809. They also stated to me that they were not the original creditor. 
Furthermore ; I do not think that I owe these debts. I spoke to XXXX XXXX who was very rude and would not provide me with the information that I requested over the phone, pertaining to which XXXX accounts numbers were listed on my credit reports, she said there was XXXX accounts that I had with them and all XXXX was on my credit report, which is not true. XXXX XXXX and XXXX XXXX was very evasive when I inquired about these accounts and not straight forward. XXXX XXXX and XXXX XXXX also told me that these accounts been on my credit report for years, which is not true. If you refer to the attachments that I provided, ACEI place these XXXX accounts on my credit report on XX/XX/XXXX. The Original Creditor that is listed on my credit report is ( XXXX XXXX which was purchased by XXXX back in XX/XX/XXXX. I contacted XXXX XXXX Maryland on XX/XX/XXXX and they could not provide me with any information on any of these accounts. As I 'm typing this letter to you I still have not receive any written notice or debt validation from American Collections Enterprise Inc to this date. 
I would like all contact from them to cease if they can not provide me with some validation and proof of them owning my account. I also want all accounts from ACEI removed from my credit report ASAP. I also filed a complaint with BBB Better Business Bureau which they responded saying that the validation of my debts were mailed to me on XX/XX/XXXX, which is a lie. I would like them to provide me with proof that they mailed me anything on XX/XX/XXXX Better yet, I would like them to mail me the debt validation again via priority mail asap. 

Please see all of the correspondence and attachments between us thus far.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (NV)

On XX/XX/XXXX I visited XXXX XXXX Hospital XXXX. I have received XXXX bill for this service within the last XXXX weeks for {$2900.00}. Today ( XX/XX/XXXX ) I received a phone call from a debt collection agency, and several previous attempts were made to contact me this past week. XXXX XXXX at AR Recourses XXXX Inc., informed me that I additionally owe the doctors that treated me on XX/XX/XXXX an amount of approximately {$1200.00}. I told him that I have n't received a bill for this amount, and he informed me that XXXX was sent out on XX/XX/XXXX. He informed me that I had XXXX days to pay or he would report it to the credit agencies.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute some scary errors on my credit report. I have written many times, to the XXXX credit reporting agencies about these errors -- eventually legally changing my name, twice, to make it impossible to mistake me with my mother and sister, who shared the same addresses and names. I was born, XXXX XXXX, my mother changed my name by adding her last name, changing it to XXXX XXXX, and presently, my name is XXXX XXXX. I changed my name because my mother and I shared the same name and our accounts where considered one. 

Today, I am writing because it seems Experian believes, my previous name, XXXX XXXX, and my new name, XXXX XXXX, belong to XXXX different people, although the same social is used, and I have provided documentation of the name change. Experian 's record of XXXX XXXX does not match with the report that has my previous name. The XXXX XXXX report does not have the same errors I have disputed in the past, but they do not show my previous names : XXXX XXXX, and XXXX XXXX or include my past addresses:1. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXThe credit report under my previous name, XXXX XXXX, which they sent along with the XXXX XXXX report, has all the incorrect address I have disputed in the past and incorrectly adds a " Spouse or co-applicant : XXXX, which needs to be removed, as I am not married. '' These addresses must be removed from my XXXX XXXX record:XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( This address belongs to my sister, XXXX XXXX-I have never lived there ) XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) My phone number is ( XXXX ) XXXX -- the other numbers do not belong to me and must be deleted. 

I need my credit report to connect my XXXX names into XXXX account, so that it does not seem like we are XXXX people, XXXX with errors and the other XXXX missing vital information. I have changed my name, but my information is not different from one name to another, they only change has been to my name.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have filed complaints with XXXX XXXX and the 3 credit bureaus. Ive been trying to work with Experian and XXXX to get it removed as the information is unverified. I have asked for the verification process and who/what/where did they get that information. They are not giving me the proper reports or information so I can fix the issue and inaccurate information.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Bank of America that BOA called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Bank of America did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my BOA on tablet, there is still nothing. 

Still that I do not happy with Bank of America since that I used Bank of America account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (NJ)

XXXX from XXXX called my place of employment and asked for my job title, my supervisors name and asked to talk to my supervisor. He asked the receptionist to give me a place to reach me and asked her to send a text to me saying that I needed to call him right away.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Brown and Joseph, Ltd (CA)

This company suddenly began calling about a debt that was a result of an audit done in 2013. we were never informed of the outcome of the audit and assumed it was because the Insurance Company went out of business. It took multiple requests to even get a copy for this audit. I was told I was a liar, I was stalling, my agent was a liar etc. They threatened legal action, impersonated a law firm, threatened to have our current insurance cancelled and even put us out of business. My agent even called them and asked them to stop collection attempts, as we were disputing the audit directly with the Insurance Company. There have been calls from XXXX different people from this firm. XXXX have been the most vicious and abusive people I have EVER encountered in my life. I have been called every name in the book while trying to communicate with them.
Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. 
Respectfully, XXXX
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Southwest Business Corporation (TX)

I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DE)

I currently have a judgment that is being reported on my Equifax credit report. The creditor is XXXX. I disputed this judgment with Equifax for inaccuracies regarding this public record. I currently received a copy of the reinvestigation from Equifax. The information that I received from Equifax states " we have verified that this public record item is reporting correctly. '' I am attaching documents that will prove this is not true. Equifax has my judgment satisfied date as XXXX. The date I satisfied this account was XXXX/XXXX/2015. The amount I paid was {$1300.00}. The amount listed on my Equifax credit report is showing {$1200.00}.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (GA)

I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group.