davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

XX/XX/XXXX California implemented an amnesty program which allowed people XXXX-XXXX % off of their current balance with the court systems collection department ( Alliance One ) in order to get people back their licenses. I had XXXX accounts equaling just under {$3000.00}. The amnesty was granted and I paid the balance. I also paid the fees to DMV to reinstate my license and I thought it was all taken care of. 

XX/XX/XXXX my husband and I filed our taxes. We were due a state refund of approximately {$800.00}. While checking the status I received a message that said the California Franchise Tax Board had intercepted my refund and I would not be getting any of it back. 

This is extremely frustrating as the original ticket was a fix it, costing nothing. This is extremely frustrating as the bill had to paid in full before I could get my drivers license back. This is extremely frustrating that my family is struggling financially and I am still being penalized for a paid debt. From the government no less! 

I spoke with the FTB and they said they could not do anything. I spoke with XXXX XXXX some low level manager at Alliance One and he said I would get the refund about a month after they received notice from XXXX XXXX County which would take at least six weeks. Maybe. So a tax refund that was due in XX/XX/<YYYY> I will not get until after XX/XX/XXXX. 

So now I am waiting. For what I do not know. I do not have any faith in Alliance One as far as keeping their word, or being knowledgeable in any capacity. Basically, I am being victimized by the system. Everything is run by an automated system. Every one is pointing the finger and shifting blame to where they are trying to convince me, that no one is responsible or accountable for this grievous error. 

There needs to be a better system in place. Somebody needs a corrective action of some type. This is not okay. Please look into it. Thank you so much. My family and I appreciate your time and effort on our behalf.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.
Consumer complaint received 2015-07-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (CA)

I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account.
Consumer complaint received 2016-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (CA)

WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My daughter had XXXX. She needed a credit card to pay her bill. I let her use mine which was suppose to be a one time thing according to the XXXX rep. My daughter did n't pay her subsequent bill and XXXX turned her account over to XXXX XXXX services and now it is on my credit report. I have never personally had XXXX and this should not be on my credit report since IT IS NOT MY BILL. Again, I was informed and promised by the XXXX rep that this was a one time thing and that it had nothing to do with me other than I was paying for my daughter since she did not have a credit card.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TN)

I am a customer of PHH Mortgage. My monthly mortgage payment is {$2200.00}. All of my payments to are up-to-date, and I have in fact overpaid them as I will demonstrate. In XXXX 2015, there was a small change in escrow ( {$96.00} ) for my payment which I did not notice, and I paid the historical monthly amount. I noted the error the next month, made the catch up payment for prior month 's escrow, paid the new monthly amount, and called PHH to report the mistake. I was assured in XX/XX/XXXX by PHH that all amounts would be applied pursuant to my intention. After six months, they have failed to correct the issue in spite of my repeated and consistent calls. I have spoken with XXXX, with XXXX XXXX, XXXX XXXX and a number of others at PHH. I also followed up in writing with XXXX and XXXX. Not only have they not corrected the error in over 6 months, I was incredibly disturbed to receive correspondence ( attached ) dated XXXX XXXX, 2015 indicating that I owed PHH {$11000.00} and that payment was due just three days later! This is reprehensible! On top of that, I received a communication dated XXXX/XXXX/2015 indicating ( for the first time ) that my escrow amount was changing effective XXXX 2015. Ironically, the amount went down, so I have actually been overpaying what I owe them from that date to now. Mortgage servicing is one of the most important functions in our American economy. Family financial security, credit ratings, and accessibility to affordable home financing are dependent on an efficient administration of mortgage debt. PHH is not up to the task.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASSOCIATED BANC-CORP (WI)

I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal. 
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more. 
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts. 
3 payments of {$680.00} is {$2000.00}. 
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}. 
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period. 
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ). 
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing. 
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least a XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is written in reference to Transunion Credit Reporting Agency. I feel my federal rights have been violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be due to the utter lack of response from the company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any debt can be validated. Which leads me to wonder, how is Transunion stating accounts are " verified '' on my credit report. The letters I receive from Transunion states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to XXXX up numbers in their database is no sufficient verification. Now I am prepared to sue Transunion for being such a pain in the posterior to me. I have provided more than enough evidence to support my claim.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax has an on-line dispute program, but the system does not allow a dispute to be entered. After numerous attempts over a period of days I have not been able to access my record to dispute inaccuracies that exist and that have a derogatory effect on my credit score. The preliminary section asks for name, ssn, address & e-mail, and after entering this standard information, I am redirected to a page that informs me that Equifaxs ' records do n't match the information I entered. Seriously, my name, address, SSn and e-mail? Please. Equifax has never adequately removed information and I have filed other disputes regarding their failure to respond to my credit inquiries.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

after researching my loan information I realized that I qualified for a change in the due date of my car loan. After making the change in my due date from XXXX XXXX to XXXX XXXX I subsequently made my payment. I received my next month 's statement and noted that I was charged a late fee. After speaking to Wells Fargo Dealership Services I was informed that the late fee would not be waived.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OH)

I found a wrongful credit reporting on my credit report and want it removed. 

Debt Collection Company : Pinnacle Credit Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to Answer a demand to Verify Debt This Demand was Sent by Email, USPS and through XXXX without a response! 
XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX Dated : XXXX XXXX, 2014 Dear Sir/Madam : I am disputing obligation to pay this account. Suspend all collection efforts until dispute can be validated with the Federal Fair Debt Collection Act Title VIII. 

I am writing in response to Wrongful Credit Reporting of a debit. I do not believe I owe what you say I owe. I am disputing the debt. 

I am respectfully requesting that you provide me with the following information : - What the money you say I owe is for - Any credit application for this debt - Any contract that I signed and dated, for this debt - A copy of any judgment - Identify the original creditor by date, name, address and telephone number. 

Further, you are instructed : All future communications with me MUST be done in writing and sent to me by mail. 

Finally, if you do not own this debt, I also request that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

By, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

Company is XXXX of XXXX, TN and Healthcare Revenue Recovery Group ( HRRG ) of XXXX, FLHRRG phone number is XXXX is with XXXX XXXX XXXX HospitalXXXX XXXX XXXX XXXX XXXXWhat Happened : I went to urgent care on XXXX/XXXX/XXXX and paid the {$20.00} co-pay required by my health insurance, XXXX, to XXXX XXXX XXXX Hospital XXXX. In XXXX, I received a notice from debt collection agencies XXXX of XXXX, TN and Healthcare Revenue XXXX Group ( HRRG ) of XXXX, FL saying that I owed {$20.00} as payment for the " physician 's fee. '' Prior to that time, the only invoice I received for the treatment was from XXXX XXXX XXXX Hospital where the urgent care is located. 

In several calls to XXXX and HRRG, I explained that I had already paid my co-pay and I 've been told repeatedly by the collections agents that " it does n't matter, you owe the money. '' They have refused to send me an invoice or any explanation of the need for the XXXX co-pay. 

I have checked with XXXX who 's confirmed that I owe only XXXX co-pay of {$20.00}. On XXXX/XXXX/XXXX, I sent a letter to HRRG explaining this, providing proof of my healthcare benefits ( and thus the co-pay ) and a copy of the payment made to XXXX XXXX XXXX Hospital. XXXX has said that this is an issue between the physician and the hospital and I conveyed that to XXXX and HRRG in my calls. 

On XXXX XXXX, XXXX, I received another notice from HRRG saying that I still owe the {$20.00} for physician 's services ; the letter did not acknowledge my letter of XXXX/XXXX/XXXX. When I called HRRG on XXXX/XXXX/XXXX the agent with whom I spoke again refused to send an invoice and could not clearly explain the need for me to make a payment to the physician. She was rude, interrupted me and when I asked about my letter, she simply said, " It does n't matter, you need to pay. '' No other explanation was given. 

If this is a real debt, there should be no hesitation in their providing copies of the invoice and a written explanation that responds to my letter. 


Resolution Requested : As resolution, I would like assistance with getting HRRG and XXXX to clear my debt and the record of my debt as I do n't believe I owe it. In addition, I would like for XXXX of those companies to stop contacting me about this debt. 

I would appreciate confirmation of your receipt of this communication. I 've sent under separate cover ( via fax ) copies of my letter to HRRG, my medical insurance benefits evidence and proof of payment of my co-pay.
Consumer complaint received 2015-11-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Opened an account with substantial funding. XXXX rep told me that if I added $ XXXX the interest rate would stay at 1,35 % for another 6 months. I did, but instead, they reduced the rate to 0.27 %. I contacted them and told them that I did not agree to this interest rate and that they should close the account and send me my money back. They kept promising to fix this " mistake ''. Nothing happened even after almost 3 months of my attempts and utmost frustration. I asked them to close the account and send me my money and they failed to do that after several months. In the meantime I am losing money, since I could have invested it in good investment opportunities. So at this point I consider their act to be that of criminal, unauthorized possession of my money. Awful bank, awful lying personnel that does not give a XXXX about their customers. I am at a point of asking an attorney to file a criminal complaint in federal court over this issue that any normal bank would handle in one day. Malicious idiots, crooks and thieves is the best description of their personnel.
Consumer complaint received 2016-04-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IL)

I took out a loan for {$800.00}. I was told there was a finance charge of {$280.00}. Every time a deduction was made from my checking account the amount was always {$280.00}. I logged into my online account to check on my loan and saw that there was no payment history recorded, and every time a payment was made a new loan was issued taking the initial {$280.00} fee. I paid {$1100.00} over several weeks and never paid anything down on the original loan. I contacted Castle Payday via email asking if there was something wrong with the account and why the original loan was never being paid on and why every time a payment was made it was being treated like a new loan was taken out and never had a response. The website is unclear about how much will be paid in interest and fees on a loan. Also the online site does not give a full account history after payments are made. Castle Payday hides the fact that you will never make headway on the loan and by not giving someone their payment history they can not see that they are not making progress on paying down the loan. Now I have paid in more money than the loan was issued for and never even got any of the principle paid. The original loan was taken out XX/XX/2015. First payment was XX/XX/XXXX. I have an image I will attach with this complaint that shows that Castle Payday was issuing a new loan in my name after every payment. On XX/XX/XXXX, I logged in and took a screen shot of my account. It says I took out a new loan which I did not do and never shows any payments toward my loan. They are now known as XXXX XXXX.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that my name is listed wrong. My maiden name XXXX XXXX XXXX and married name XXXX XXXX XXXX are correct. ( I legally changed my name back to XXXX XXXX XXXX because I am going through a divorce. My name was never XXXX XXXX but it is listed on my report. I would like it removed!