davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX Account # XXXX and XX/XX/XXXX Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R & B Corporation of Virginia (MD)

I just discovered that I had unpaid medical bills posted on my credit report and reported to my mother because she pays all of my medical bills. Concerned about this I called XXXX XXXX who confirmed they sent the bill and it was returned ( wrong address ), but now was in the hands of Credit Control Corporation, they said they called me previously about the bill. I vaguely remember receiving a call and gave them my mom 's number. She said they may have called her during working hours and they were not able to give her details. She told them that she paid all bills and would have to check. I had XXXX other bills on the same date of service that were paid ( they were billed correctly ). Willing to pay the outstanding bills until the manager refused to remove it from my credit report. First of all, notification of this delinquent bill should have been mailed not a phone call during business hours. An address can easily be found in today 's world ... even a call back to XXXX XXXX. There are so many scams, I would never give HIPPA information to anyone on a random call. Just furious that my credit will be affected because other 's do n't perform their job well or correctly. I was very sick and all bills that were received were paid. It 's sad that CCC would rather ruin my credit than accept the money owed. Not reasonable at all, how long will it take for this to be removed from my credit? I am young and have time to build my credit. I am the one that reached out to them to take care of this ... ..shame on them for not contacting either one of us by official mail!! WORK ETHIC and CUSTOMER SERVICE VERY POOR with Credit Control Corporation!!!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXXXXXX XXXX XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

1 ) On XXXX/XXXX/2016 I experienced ID theft ( see # 1 ). Several contacted me to make sure I had intended to open new credit cards, and I said no. However, on XXXX Capital One Bank did not contacted e and opened a credit card in my name ( see # 2 ). 
2 ) If this complaint can also address an unsolved case, this tie in relation to a fraudulent mortgage payment that still, as of XXXX XXXX, 2016 still has not been removed from my mortgage bill ( see cases XXXX, XXXX and # 3 )
Consumer complaint received 2017-01-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

PLEASE DO NOT OVER LOOK!!!!!!!! THIS IS A NEW ISSUE ... FALSE CLAIM Capital One has continually tried to keep extorting me financially. In their last discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} credit in XXXX. That credit should have been applied to my XXXX payment. Which means that I do not owe for XXXX as they claim. 

Most recent discovery : On XXXX XXXX, 2016 they claim that they applied another credit to my account ; that credit should have been for the month of XXXX 2016. Which means that the month of XXXX payment has been satisfied. 

Capital One can not say that XXXX credit of {$170.00} was applied to XXXX because a payment was made for XXXX which they cashed. Therefore, giving all the payments and credits made for the 2016 year, how can the company still claim that I owe {$1200.00} for the same year and needs me to pay that before they can reinstate my account for monthly billing statement?? This is completely without merit. 
When credits are applied, should the credit not be applied to a particular month? Especially if you claim that the person is behind on the payment. So, what month did you apply the credits to??? 
I have called XXXX XXXX XXXX twice, from Office of the President, Financial Services Capital One. And, in both cases left him a message as always and he never called me back as always.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally dispute fraudulent information that has been added to my consumer report. After reviewing my report, I discovered items that I did not authorize, nor did I participate in any transactions associated with these entries. 
XXXX XXXX XXXX XXXX XXXX all these account numbers are in older documents I been sent in to all these credit bureaus like XXXX and they are not doing anything about it I believe these entries are a result of identity theft and do not reflect any activity authorized by me. 

I kindly request that these fraudulent items be removed from my consumer report as quickly as possible. Thank you for your attention to this matter and for helping maintain the accuracy of my credit information.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (TX)

I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

I tried using XXXX internet but because of my location it did not work well. I canceled within the 30 day time frame. They are still charging me {$430.00} for non-returned equipment that was returned within the required time. I did not authorize this charge. At the initial phone order they " required '' a credit card for {$60.00} hold fee that she said would not be charged. I disputed the {$430.00} and now while that is disputed they charged me again for {$150.00}. I asked Citi bank to not accept any charges from them and explained it is NOT authorized.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable?
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I made a purchase in XXXX XXXX using my Macy 's credit card to receive a discount in the store. I never received a bill and forgot about the charge. I received a letter on XXXX XXXX, XXXX saying that Macy 's had been trying to contact me for some time. This was surprising to me as I had not received any letters, emails, or phone calls prior to this letter. I called and discovered that Macy 's had been charging me interest and late fees on my account and I asked to have a supervisor call me. I had not received a bill. In talking with the customer service representatives, it became clear that the ebills that I had signed up for were not being sent by Macy 's since they had changed my account from XXXX to XXXX XXXX. I confirmed with my bank that they would have still delivered the ebills even if the account number did n't match what was in my ebill list. Macy 's confirmed they did not have an email address for me, they had not sent me paper bills, and they did not leave me any voicemails indicating that there was an issue. Once I received a copy of the bill in question, I paid the amount owed for the merchandise bought. I waited for a supervisor to call me and no one ever did. After spending over an hour on the phone today, I finally was able to agree to pay the late fee and interest for the first month of non-payment ( {$29.00} ). I am very dissatisfied with the process Macy 's has for this issue. The first communication I received was a letter ( see attached ). I called and requested to speak to a supervisor, and was never called back. In talking with XXXX XXXX today, he was unable to tell me where they were sending ebills as they have no email address on file and his system apparently did n't say where the bills were going. He also informed me that while his system shows they called me, they do not leave voicemails for security reasons. I explained that I am employed so am not home waiting for phone calls and that I expect that if someone wants to reach me they will leave a voicemail, which XXXX explained their practice is not to leave messages. That is ridiculous. I was also told that when a customer signs up for ebills, they do not receive paper bills. Again, if a customer who in the past has always paid in full on time ( see ebill history attachment ), a reasonable person would see that there is an issue and contact the customer before 5 months have passed.
Consumer complaint received 2024-11-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I have XXXX of XXXX CDs matured totaling about $ XXXX. I called yesterday. They said no closing of accounts through online or phone. Must email. I emailed. As of today ( XXXX hours ) - no response. 
I called again today. They said no closing of accounts through the phone or online. Email response XXXX take up to XXXX or business days!! This certainly smacks of Flagstar trying to keep my money as long as possible ; both making it difficult to close for an elderly person AND delaying response! 
I have CDs spread across XXXX other online banks. ALL allow account closure either online of via phone. 
During the second call, I asked to talk to a supervisor. The most she could do was log a complaint with the company. She said as a Flagstar bank customer service supervisor she had no way to contact the appropriate unit within Flagstar and that the Flagstar unit that does handle closing and disbursement of the CD does not take customer calls! 
As an elderly person I think they are trying to make account closure as difficult as possible and hold on to the money as long as possible! 
Flagstar Bank is the bank. XXXX  This is unacceptable and borders on guile and slyness. Many of my age wont know how to proceed or if/when they will ever get their money.
Consumer complaint received 2016-10-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Home Mortgage continues to collect taxes in an escrow account year after year despite the fact that I do not have to pay taxes under the Texas XXXX XXXX veteran law/act. They apply the escrow money each year to the principal on the loan. Numerous telephone conversations over the years has proved fruitless. The purpose of the tax exemption is to provide more money on a monthly basis to XXXX veterans. If Wells Fargo is doing this to all these types of Texas mortgages the amount of money they are accruing could be substantial!
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Re : Loan # XXXX Dear Sir or Madam : The reason for this letter is to report that I am in the middle of a loan modification and also a foreclosure for my home, which was filed unknowingly against me by Nationstar Mortgage. The scheduled sale of my property is set for XX/XX/2016, which I was not aware of. 

Most importantly, I was uninformed and relying on Nationstar Mortgage representative 's verbal promise that stated : " We will not foreclose on your property while under the process of obtaining a loan modification. '' Furthermore, Nationstar Mortgage purchased my mortgage from XXXX over two years and the loan has ballooned with numerous outstanding fees tacked onto the account each month. So, I am requesting that the mortgage company forward me the information listed below. 

Please forward an itemized breakdown of principal and balance amounts pertaining to the loan. I am also requesting the complete details and contact information and an audit of account by outside source. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX XXXX
Consumer complaint received 2016-12-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (WA)

Receive continues calls from Professional Bureau Collections of Maryland. I told them I could pay off the debt in XXXX because I was XXXX from the XXXX. They keep checking how much I have on my credit cards and telling me to barrow money. Today at XXXX and XX/XX/XXXX I informed them that I could pay it off in XXXX once I receive my final check. I am constantly being harassed by them and I have not refused to pay at all.
Consumer complaint received 2016-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

A law office has been contacting me up to XXXX times a day about me owing money to a school since I had taken out a loan and did n't finish the semester. Things happen in life and I obviously do n't have the money to pay the entire amount of the loan at this time or even an eighth of the amount. If I had that type of my money then I obviously would have just paid the tuition out of pocket rather than taking a loan out. All my other school loans are in deferment due to unemployment. This guy " XXXX XXXX '' talks very rudely to me and even had the nerve to ask me if I had any family or friends that could pay this " problem '' he referred to it being. I 'm tired of getting these rude and very unprofessional calls daily. I would like to not be contacted again. I know I owe the money and once I get a job and get stable in life then I will pay on the loan.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

My XX/XX/XXXX payment was sent to Dietech on XX/XX/2016.One phone XXXX. I have spoken with as follows : Customer service-XXXX dont know her extension, XXXX ext. XXXX, and then to Manager XXXX-ext. XXXX. I was told by XXXX, they could see my payment, posted to what she called a ghost account. and ask me to fax proof that it was my money ( {$1000.00} ), so I faxed XXXX copies of bank my statement as this was an electronic payment form my bank, also called to confirm with bank payment was sent, I was told by my bank ( XXXX ), Dietech did receive monies. Talked with XXXX several time and she was suppose to send request to correct dept. to remove monies from wrong account and debit to my account, not done. Next Im talking to collections as Follows : XXXX-ext. XXXX, request he said was sent was to call back and, I talked XX/XX/2016 with XXXX-ext. XXXX. XXXX rechecked to see if request was sent and said it was, to call back. On XX/XX/2016 XXXX also said it was a posting error, not my fault, and there would be no late fees, or credit problems. In the mean time, I receive a package from Dietect telling me how to not be foreclosed on by Dietech. More upsetting. Called XXXX back on XX/XX/2016, still posting error not corrected, XXXX ext. XXXX says the computer system had been changed she was sure that was why my payment of {$1000.00} was posted to the wrong account. I ask for XXXX Manager, XXXX XXXX XXXX, He says the reallocations take care of this, His department has done what they should by sending the request to correct error, showing where money was and where it should be. XXXX XXXX XXXX said he would resend request and try again. I ask for number of they ( reallocations ), Dept suppose to correct error. XXXX XXXX XXXX - ext. XXXX said he did not know number. XXXX XXXX XXXX said I could call every 20 minutes of every day and that would not make a difference in getting the error corrected. Im angry, Frustrated, have spent hours upon hours trying to get error corrected, Im the only one who seems to care. Late fees were removed but still no posting of my XX/XX/XXXX Payment {$1000.00}. I spoke with XXXX - ext. XXXX, today XX/XX/XXXX, error still not corrected. She now says i should call back tomorrow, again. I dont know what else to do. Can someone check into this. I have also seen other complaints regarding similiar circumstances with Dietech. My Dietech account # XXXX, billing address XXXX XXXX XXXX, XXXX, Tn XXXX : Property address XXXX XXXX XXXX. XXXX, Tn XXXX
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

With limited options for private loan assistance Navient has made equally difficult once again to find any kind of relief to my private loan debt. 
This will be my third submission with contacting the CFPB for Navient/XXXX XXXX 1 ) For their lack of responsiveness in connecting with service agent in the Rate Reduction Team and to their Complaints Department 2 ) Failure to provide financial support/reduction to my loans. After leaving a message I finally spoke to the agent, who I spoke to previously in regards to my other recent situation with Navient- XXXX XXXX . I expressed both complaints I have and included that I have been working diligently to have my payments be reestablished on the rate reduction plan. Which is the only options they provide with private loans. XXXX knoted that this complaint through him could take 5- 7 business days. With that said I have payments due XXXX/XXXX/16 and urged for things to be expedited. I have been on the rate reduction plan in the past and was looking to sign in for another year. I had completed step 1 which was to verify my financial statement with them. Step 2 was for my co-signer to complete the same. After several calls last week and not getting in touch with the team my cosigner tried again today and was connected. Which leads me to my 2nd complaint in the matter ... .Based on my co-signers finances I am not eligible for the rate reduction plan. My co-signer is not in a position to pay my payments nor am I approving them to. Especially since I have been on the plan before with the same co-signers and this year makes it much more difficult for that XXXX of my XXXX loans is now out of forbearance with a payment of {$220.00} and is not eligible for the rate reduction plan. My co-signer who has called is signed on XXXX of the XXXX loans I would need in the rate reduction plan. If on the Rate Reduction Plan and my remaining loan I will be looking at a payment of a minimum of {$710.00} a month which they noted was not guaranteed due to the fact that the {$710.00} was based on last years payment and that this year the interest rate would increase. {$710.00} is already barely attainable with the other loan opening up. Last year my payments were {$490.00}. Once again Navient has backed me in to a corner of never successfully moving forward debt free.