davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

I closed my XXXX {$19.00} home DSL account XXXX/XXXX/2015. Two weeks later I am receiving collection calls from this agency for a debt I do not owe of $ XXXX on my former XXXX account , before I even received my final bill from XXXX . I contacted XXXX, they claim no knowledge of this company or turning me over for collections, & claim to be sending me a revised final bill for a lesser amount which I have yet to receive. This debt collector has been instructed to STOP calling me yet continues to do so for a debt that is not mine, that is in error, & that is been denied by XXXX.
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

mailed check on XXXX/XXXX/XXXX for {$3300.00}. was rcvd on XXXX/XXXX/XXXX. posted on XXXX/XXXX/XXXX. Ocwen split payment - {$2300.00} to Principal, {$590.00} - Interest and {$430.00} to Escrow. then Ocwen says it was n't a full payment & marked it delinquent. on XXXX/XXXX/XXXX Ocwen sends stmnt for XX/XX/XXXX, stating Amt Due is {$1000.00} ; which is {$2300.00} less than normal. is it a coincidence that it is as short almost as much as the amount Ocwen split off my prior mos pymt and put to Principal? I think NOT. I called Ocwen to find out and the lady I spoke to kept on about how I needed to send {$5.00}. send it tonight. then Ocwen marks it as incomplete and 2 mos delinquent. on XX/XX/XXXX placed the {$1000.00} into Suspended funds. on XX/XX/XXXX they canceled the transaction on XX/XX/XXXX that placed the {$1000.00} in suspended funds and placed the {$1000.00} into Suspended funds! [ no idea ]. removed the {$2300.00} from Principal and sent to suspended funds. then when the {$5.00} arrived it made a full pymt and Ocwen used it to pay my XX/XX/XXXX payment. they pocketed the {$590.00} and {$430.00} that they said paid Interest and Escrow from my original payment they rcvd on XXXX/XXXX/XXXX. then on XXXX/XXXX/XXXX they canceled the XX/XX/XXXX transaction that canceled the XX/XX/XXXX ttransaction that replaced the XX/XX/XXXX transaction, but this time Ocwen shorted the full pymt, I had made for XX/XX/XXXX, by XXXX penny from the amount normally allocated to Escrow and sent that penny as an escrow payment on that same day [ no idea ]. then on XXXX/XXXX/XXXX Ocwen cancelled the XX/XX/XXXX transaction that cancelled the XX/XX/XXXX and XX/XX/XXXX transactions that replace the XX/XX/XXXX transaction almost a year later only to put it in again on XXXX/XXXX/XXXX the same way it was entered on XX/XX/XXXX [ no idea ]
Consumer complaint received 2015-10-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (NY)

I received a loan from XXXX to take the NY XXXX XXXX XX/XX/XXXX. Thereafter, I spoke with XXXX XXXX about monthly payments and they informed me that I could pay whatever I could afford. I paid {$30.00} through direct debit monthly. No other information was given to me except that these payments were fine. XX/XX/XXXX I received a letter from First Associates, a loan company I had never heard of, stating that my payment was late. I called them and they said they now owned my XXXX loan and they did n't have my debit information so my account was late. This put up a red flag as I received no other info from them and it was not my fault that they did n't have my account info. I gave it to them and continued to pay $ XXXX monthly. Nothing whatsoever was said to me about increasing my payments, interest, etc. I did n't receive any paperwork from First Associates. Now I received a bill XX/XX/XXXX XXXX so presumably I did n't receive it until XXXX XXXX stating that I am 15 days past due for almost {$1000.00}. I do n't understand how I can be past due when I 've been making payments and no bill was sent to me about this amount in XXXX. I spoke with someone named XXXX who said " they tried to email me once. '' Apparently my loan has re-amortized and now I owe exorbitant amounts and have late fees even though a bill was never sent to me in time to pay. I believe First Associates has wrongfully failed to provide me with any information about my loan and who the company is and they are now attempting to force me to pay obscene amounts compared to what I was paying, charging late fees, and threatening my credit. In addition, their interest rate is usury at 17.19 %. After working for 3 full years to obtain XXXX, this was the only loan I was able to get in order to pay XXXX so I was forced to take a loan from a disreputable company at this horrifying interest rate, and now they are going to ruin my credit without any warning or paperwork regarding the status of my loan.
Consumer complaint received 2015-08-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Financial Services, LLC (MS)

On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim. 

On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid. 

This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill. 

When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX. 

I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

We suffered a severe hardship in XXXX when my husband was put in the hospital XXXX..We have been applied for XXXX Loan modifications since then and was denied because I had in XXXX 2013..I was told I had to wait until XXXX to apply and I completed the package with all documents needed and today they said I was denied claiming it was not 24 months when I actually started the modification in XX/XX/XXXX 2013 with the trial period and the Permanent Modification was approved in XX/XX/XXXX.2013..Please help me ...
Consumer complaint received 2015-09-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I am constantly being harrassed by a company called XXXX XXXX. They say they represent Castle payday and I owe {$700.00}. I told them that I did bot borrow that much. I offered to make payments and they refused saying it was n't enough. I have been called by several people, the most recent is XXXX at XXXX. He yelled at me and said he has me on tape refusing to pay, and will have me served legal documents at my job. They also called other family members, including my under aged grandchild. This behavior must stop. When I asked the person who called my last week there address, they refused to give it to me. Please help me ...
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: WELLS FARGO & COMPANY (FL)

I received a call from XXXX informing me that they were attempting to produce paper work on me concerning a court order for a debt from a XX/XX/XXXX Bank Account that I had previously with Wachovia Bank, NA. This account was closed and I have a current account which lists me as a member since XX/XX/XXXX with Wells Fargo Bank NA. The woman whom I spoke with stated that she represented XXXX XXXX XXXX in California and that they would be processing the paper work to serve me either later today or tomorrow at work in XXXX, FL. The old debt was charged off by Wachovia, even before I left Georgia. She threatened that the judge would determine what I would have to pay and said that the balance was now {$2100.00} including court and legal fees. When I closed the old account is was due to a {$400.00} unpaid balance ... .certainly not over {$2000.00} I am appalled that someone would use these tactics to scare people into paying them.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION (FL)

A total of XXXX fraudulent charges again my Compass Bank credit card on XX/XX/XXXX & XX/XX/2015. 
I and the additional card holders all have the credit cards under our possession, but there are XXXX fraudulent charges in XXXX, Texas.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo furnished inaccurate and damaging information to multiple credit bureaus. Their action has caused our family to be denied credit in a recent attempt to secure an auto loan. Wells Fargo stated we were late on a mortgage payment when the loan was paid off in full. They were fully aware that we were refinancing and provided a payoff letter including final balance and payoff date, then turned around and sent derogatory information out about us. We always paid the mortgage on time and in many cases paid in additional amounts. Please help.
Consumer complaint received 2015-08-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.
Consumer complaint received 2015-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

wells fargo is damaging our credit by stating we are behind on our mortgage when we 're not.rreason for this is because they claim they under estimated our escrow account but never sent us any notification of this! we contacted wells fargo to see why we keep receiving notifications that we are behind on our mortgage, the customer service rep explained, did a conference call with a rep in the escrow dept & he verifyed this information as well that nothing was ever sent out to us regarding a mortgage increase because of our escrow.this is just XXXX of the many problems weve had with wells fargo being misleading, dishonest, unfair bussiness practicing & not upholding to their introduction on their customer service line when it comes to calls are being monitored & recorded b/c most of the customer services never document anything especially if wells fargo is in the wrong! i dont think this is fair that we the customer has to pay in so many because of their noncommunication, miscalculations & common sense should tell them that if a customer is paying their agreeed to monthly payments, then maybe there is a issue that needs to be addressed XXXX instead of slamming a customers credit!
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (CA)

Capio Partners have reported a {$760.00} debt on my credit report. 

I am disputing this debt of {$760.00}, because it has never belonged to me ever! 

Capio Partners have been uncooperative in resolving this debt which has never belonged to me. 

This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. 

My personal information was used with out my permission and with out my knowledge.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I just called Wells Fargo bank customer service - this afternoon around XXXX PT - and spoke with " XXXX '' who declined to give me his last name, per the bank 's policy according to him. I conveyed to the latter that I 'm XXXX, and as a reasonable accommodation request, I want him/his entity/manager to investigate if somebody else/potentially one their employees has/have been illegally using my account 's private information to possibly open unauthorized account ( s ) using the aforementioned, and follow up with me via e-mail. XXXX declined and stated that it 's not their company 's policy to communicate with customers via e-mail. I reiterated that I 'm XXXX and I was requesting the latter because of my XXXX ; and that his blatant declination thereof was a violation of the ADA and the FEHA. He still declined to reasonably accommodate and stated that he would have his manager contact me via phone only in the future. The reason behind my call/investigation request to Wells Fargo was because of the recent news/lawsuit that was published on the XXXX.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (MI)

Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan
Consumer complaint received 2015-05-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Recovery Solutions, LLC (KY)

Received repeated calls from this company, at work, even after telling them XXXX times to stop calling me at work. When I called them back to tell them ( again ), the person told me I was going to be summoned to court for a payday loan debt, but could not tell me where the payday loan was borrowed. She merely stated that it came from XXXX XXXX, and Identified herself as from " NRS. '' I asked her to send debt verification to my address, and she said they would be sending me a court summons. Once again, I never verified anything but my name.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address.
Consumer complaint received 2015-10-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My name : XXXX XXXX XXXX, Loan # new # XXXX # XXXX, Wells Fargo home Mortage, I mailed my payment XXXX XXXX, received in XXXX Tx XXXX at XXXX am. deliverered to their XXXX XXXX at XXXX XX/XX/XXXX.I checked my checking acc with XXXX Bank the money still in my account.I phoned this morning and talk to a representative of Wells Fargo named XXXX our conversation finished at XXXX, I asked her to checked and payment has not been credit to the account yet. I have a Modification mortgage my payment can not be late which is on the XXXX of the month.I mailed to the new address as requested : Wells Fargo Home Mortgage, XXXX XXXX, XXXX, Texas XXXX tracking showed it has been delivered on XXXX XX/XX/XXXX.They have done this before to me last year and I had to filed a complain in order for them to fix their mistake and admitted to me. last year the check did not go through the system property and they called me on the XXXX of the month to let me know that they needed it XXXX payment they claimed to silly excuses after two month they admitted that was their mistake that their system did not clear the payment however they never send me back my check, no late fee was charge or any other notice of late payment. This time they change loan numbers and change mailing address for the ones who pay with check trying to force people to get automatic bank payment which is not to my satisfaction or to pay on line, which will expose me to hackers, and me as other XXXX people do not, like that system. Where is my check and why they have not applied the payment of this month that was mailed on XXXX certified XXXX XXXX XXXX XXXX XXXX, and received and delivered to them XXXX XXXX XXXX Wells Fargo Mortgage Company gave a big problem with my Modification twice denied and finally approved on the temporary XX/XX/XXXX, XX/XX/XXXX was finally permanent approved, paying always on time, they want clients to show default in payment to cancelled the Modification. Please help me, Where is my check mailed Certified AND DELIVERED ON XXXX, CHECK # XXXX for {$330.00}? they are holding my check, this is illegal.Someone needs to do something about this Mortgage Company.Thank you. XXXX XXXX XXXX, phone XXXXI need a resolution to this matter as soon as possible.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX is complaining that she is the part owner of premises. That XXXX XXXX was a constructive trustee. That ASC ( the servicer ) has failed to assist her or XXXX XXXX to keep the home. The investor is XXXX. Although I have been authorized on the account. XXXX has reported and continues to report negative information regarding this account against XXXX XXXX although there information is incorrect. Please note that this lender has not submitted to any proof of debt, standing and/or default of the terms of loan. In fact I believe that the original note no longer exists and the are attempting to foreclose with a electronic note scanned and altered. There is currently a scheduled foreclosure auction on XXXX XXXX, 2015. I would like for the auction to be stopped pending investigation, negative reporting stopped and for a copy of all credit files including mortgage and mortgage not be sent to me. Please note I have on XXXX/XXXX/2015 i filed a complaint # XXXX however I made a mistake with the name of the lender. It 's the same complaint. Please stop the sale date until we find a solution