davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I left an apartment complex ( XXXX ) a month early in order to move to better and more affordable housing in 2012. I had a deposit still held by them. I told the office of my need to leave and established the date I would turn in my keys. They had my phone number, email, and forwarding address and agreed to contact me with any remaining balance owed. I received no communication from XXXX nor IQ Data International, who this was immediately sent to collections with ; I had no notice before it appeared on my credit report and no ability to pay before this derogatory item appeared on my credit report. Since then, the balance has seen a 50 % increase in " fees. '' I recently disputed this with an online form through the credit bureaus, however it was not understood and all IQ Data International did was send in an itemized list ( which I saw for the first time ) from XXXX and fees without itemization from IQ Data International. 

I am disputing and suffering from two deceptive practices. The first, is that I never was contacted in advance of any collections and negative reporting. Second, astronomical and unexplained fees have been levied by this company as a direct result of the first.
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Carbon County (WY)

I was contacted by phone by the Collection Center of Wyoming regarding accounts that were not mine that they were claiming were. These accounts were in the name of XXXX XXXX, and were medical bills in XXXX Wyoming and a cable bill in the same name at the same location. These accounts were old and I have never been contacted about them before now. I was an XXXX but divorced and changed my name in 2001 ; I have also never been to XXXX. I called the hospital that reported the debts ; these accounts do not match my social security number, middle name, or date of birth. The hospital called to remove this from my record. The collection agency also removed the cable bill. This collection agency did report XXXX medical bills to the credit bureaus before they contacted me about them. I was told that these were corrected but today are still showing on my reports. As I am planning to purchase a car this weekend, I again contacted them. They said they could write a letter that I can give to the dealership but it has to be approved by several people before they can get it to me and it could take several days. They should have verified that all information on the debts matched mine before this was ever reported to the credit bureaus. I should have also been contacted long before it was reported if they believed it to be me. I have never received any written communication regarding these debts.
Consumer complaint received 2016-10-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (MD)

Over the past year or so, I have received calls from this company. They do not identify the company, only saying that they are trying to collect a debt for a XXXX XXXX. I tell them that all of my accounts are in good order and that I placed a freeze on my credit reports several years ago because of the data breach at OPM -- OPM in fact sent me a letter saying that my data had been hacked. I ask the agent for the last XXXX digits of the SSN of the XXXX they are looking for, and they do not match mine. Each time, they tell me that they will remove my number from their database -- and then I get another call. At no time have I provided them any personal information, not even the last XXXX digits of my Social Security Number, date of birth, etc. 

On one of the calls, I was told that they were trying to collect a debt for a home security system ( this seems to be a common thread of the complaints against the company that I have read online ). Further, I was given the name of my wife, regardless of the fact that I never have never been married to a woman. I have lived in my house for 25 years and never have purchased an alarm system -- why when I have XXXX dogs! -- nor have I ever contacted any home alarm systems company. 

The latest call was several days ago. I came home and found a voice mail from a " XXXX '', saying that I should listen to the message where no one else could hear. She then proceeded to say that she is trying to collect a debt -- again no mention of what company she works for or what the debt is for. I did not call back this time, because I want to file a complaint with you all so that the calls stop. 

Each time I get one of these calls -- and by now, I recognize who it is, I Google the phone number and read the remarks others have posted about this company, which is Hillcrest, Davidson, and Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( That " XXXX '' is at extension XXXX ) I do not know if this is a legitimate outfit or if these are scam calls. I would think a legitimate outfit would verify information first before calling -- and I do consider these calls to be harassment..
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have been with USAA for more than 10 years and had a XXXX with them in good standing for just as long. On XXXX XXXX 2016, a charge was fraudulently made on the XXXX and shortly after that, USAA stopped using XXXX and changed their card to XXXX. This balance from the XXXX was transferred onto the XXXX which replaced the XXXX, and I did n't find out until a couple months later that there was a balance on my new card ( which had never been activated by the way ). After making several 2 hour long phone calls to USAA regarding this, a security credit was issued to the old XXXX but was never transferred over to the XXXX. Therefore, it shows a balance on the XXXX for which USAA is holding me responsible despite several phone calls over the past 4 months to USAA to try and rectify this.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (AZ)

While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. 

Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. 

In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.
Consumer complaint received 2016-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

I have been on the Pay As You Earn ( PAYE ) payment plan and the public service loan forgiveness program since graduating XXXX for my consolidated student loan with FedLoans. I have been on time with my payments. On XXXX XXXX, my payment was increased from {$100.00} to {$1800.00} as the paperwork to re-certify PAYE was not received by FedLoans. My account is on Direct Debit, and the payment of {$1800.00} was debited from my account. I can not afford this payment and think that FedLoans has taken advantage of my Direct Debit status as this payment would not have processed so quickly or automatically if I was not on Direct Debit. I was not aware of this payment increasing due to the poor communication system from Fedloans. 

My suggestion is that Fedloans needs to make the email subject line clearer. For example " PAYE expiring in 3 months '' rather than " Recertify your IDR plan today! '' as it was on the email they sent me. I am a very busy XXXX and interpreted this email notification as an issue that I had already addressed. Nor did I receive a direct email that said my payment was increasing to {$1800.00}. Most of the communications require you to go to the Fedloans website, log in, and download the communication. This is more steps than is necessary or we have time for as busy XXXX. It is unfair for the system to take advantage of a person who has been on time with payments and can enroll in Direct Debit. And for the system to allow people to " fall out '' of income driven payment plans due to subpar and unclear communications.
Consumer complaint received 2016-10-18
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Core Advisory Group, LLC (TX)

I had contacted Core Advisory about my mortgage situation about 6 months ago. At the time, I did n't have the money to start the process as I did n't know that this company was not suppose to charge me. I then get a foreclosure sale date 4 months later and I had the funds to begin the process. Core Advisory promised me that they will " stop '' the foreclosure and force the mortgage company to give me a loan modification. I gave them {$1600.00} up front {$1500.00} for the comapny and {$120.00} for the notary that came to my home so that I can sign some papers. I also, gave the notary for Core Advisory XXXX post dated checks for XXXX, XXXX, and XXXX. I did stop the one for XXXX as my suspicions were evident. A case manager was assigned to me in which he drafted some letters for me to send via certified mail to be sent to the mortgage company, HUD, and the the local congressman. I was then assigned a " trustee agent '' in which he told me that he would investigate XXXX. He called me and told me that he was putting me on XXXX way so that I could authorize him to speak to XXXX on my behalf. The sale date was getting close and he told me if it comes to it to file for bankruptcy with a " lady '' he knows that would help me with this. Well, that day before the sale, I was on XXXX way again with him and XXXX and found out that XXXX 's paperwork was n't right and the sale date was until the following month. I tried contacting the trustee and he did answer after 2 days and when I told him that I wanted to file for bankruptcy, he said " no '' it 's better to wait. I tried contacting Core and all I get is a voicemail.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

on XXXX XXXX, I called TD Bank of XXXX XXXX to cancel a check for {$4000.00}. i gave them the routing number for the check and check number. i explained that the check had been written out to XXXX XXXX and that I was stopping payment because i was no longer purchasing the house and needed them to stop payment immediately. The woman i spoke to confirmed that the check had been cancelled and i asked to pick up the receipt. 

two weeks later when checking that account, it was brought to our attention that they did not stop payment. when i called customer service for help, they stated that there was n't anything they could do and that they would have someone from the the plymouth meeting branch reach out to me within 24hrs. No one called within that time frame. After 48 hours, i called the same customer service number again and they reassured me that i would have someone contact me with in the hour from that branch. they never called. After that, we went into the branch and spoke to the exact woman who had supposedly cancelled the check in the first place. XXXX had me sign an affidavit and promised me that i would hear something within a few business days. its been 2 weeks and every time i call the branch, i get told that the manager is out and and that the assistant manager will return my phone call, but they dont return my calls. 

this branch lost {$4000.00} of my money and arent doing anything to get my money back.
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Carter-Young, Inc. (NC)

Carter-Young, Inc.XXXX, GA XXXX, Local : XXXX Toll Free : XXXX My minor child and I were in an XXXX accident in XXXX of 2012. We have an attorney. The attorney notified all of the medical companies. Carter-Young, Inc filed a collection notice on my credit. I called Carter-Young, Inc. and explained their mistake. XXXX XXXX gave my son 's name and birth date and specifically told me she was attempting to collect on debt on my minor child. Using the words " minor child. '' When I explained that to her that that is against the Federal Trade Act she got upset. I gave her the attorney information. She said she would call the attorney. I asked her six times when they were going to remove the collection notice. She did not respond to me. She hung up on me. 
I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and XXXX XXXX did not attempt to verify my mailing address, email address or telephone number.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... ..
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has contacted me several times threatening to arrest and sue me. They 've continuously contacted my family and friends do and made these same threats. They called excessively. I 've continued to request written proof that they legally own this date and they have not been able to furnish this. They have cursed me. They have continued to call after I mailed them a letter asking they cease and desist. They have said they 've only been collecting on these accounts for 1 year. However, they 've been harassing me for at least 5 years.
Consumer complaint received 2016-03-02
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I began a modification for my Home Equity Loan with the holder of the loan, Bank of America. After a very frustrating process of them losing documents and re-asking for documents that I had already submitted, they approved the modification XX/XX/XXXX. They sent me documents and we returned them signed in a timely fashion. B of A then signed and return the loan documents and our first payment was XX/XX/XXXX. We have made our payments on time since. Then XX/XX/XXXX they sent out new documents that our modification had been approved. I did not understand. We had completed everything with a signed loan agreement from B of A. When I called they did not give me an answer. Just that I needed to sign. I explain that 4 months ago I had completed the process and have been making my payments on time. After several weeks of going back and forth, they admitted that there was a miscalculation in my loan, but no explanation as to the mistake. I told them that I would not sign new documents as I already have a signed loan agreement with them. What 's to say, if I sign, that they wo n't come back again in 5 months and ask to change them again. I continue to make my payments in a timely matter. They continue to call and tell me to sign or they will withdraw the modification. I have a legal agreement with them. I need help to get them to stand by the original loan documents.
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (MN)

I am currently a XXXX student at the University XXXX and have been unable to get my private student loan from Wells Fargo to be put into deferment ( their policies do stipulate that in-school deferment is allowed ). I 've submitted the necessary deferment forms multiple times and have contacted them on multiple occasions, but they will not put my student loan into deferment. I 've been charged late fees, I receive harassing phone calls from Wells Fargo every morning at XXXX, and my cosigner has received threatening letters about repayment obligations and the negative influence of missed payments on credit scores. I do n't know what to do to ameliorate this situation and I would appreciate assistance.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (DC)

I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. 
Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays, I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. 
I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (DC)

XX/XX/XXXX I received a lease-end statement from Honda requesting payment within 25 days for {$550.00} for " Excess Wear and Use or Damage ''. I hereby dispute the charges as I have not been given full explanations of how they were estimated, the criteria used to waive certain charges, and I would like to ask clarifications as to what Honda considers excess wear and tear since it is not specified explicitly explained in the contract ( except for the tires ). 


After my first attempt of obtaining clarification from Honda Financial, I received a copy of the inspection report by mail, detailing the damage that was considered by the inspector to be excessive, and the estimated total cost to be {$950.00}. The excess wear and tear value in this report is higher than the {$550.00} being billed to me, but there is no explanation of what charges were waived and what charges were not and why. Presumably, Honda decided to waive the lowest cost repairs and to charge me the highest cost ones. Since the contract contains no provision of which charges get waived under the waiver provision, this should be interpreted in favor of the consumer and not of Honda. Similarly, the contract does not have an explanation of when certain types of damages are excess and when they 're considered normal. For instance, from the report I read that the left front bumper cover has a scratch of XXXX to XXXX inches, but no explanation of why this is excess, as bumper scratches are extremely normal in a car that is authorized to be used in abdense urban setting for XXXX miles. 


Likewise, I would like to request a correction of how my previous payments were applied. My XX/XX/<YYYY> statement had an amount due of {$110.00}, but I made a payment of {$250.00} and I request the difference to be refunded. Also, I returned my vehicle on XX/XX/XXXX and leased a new Honda vehicle, but paid the full month of my lease, until XX/XX/XXXX. I request the pro-rated unused days to be refunded. 

I sent this dispute to Honda by certified mail and it was received on XX/XX/XXXX. Their only response so far as of today was to call me and offer to lower the amount due to {$350.00}, which is still higher than what I consider I should pay, but I have not received a response, verbal or written, regarding my questions or my dispute.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (AZ)

I paid {$2000.00} to pay pal credit located in Maryland. My account number XXXX. This payment was made on XXXX XXXX 2016 and when I made the payment on line that amount was to be the current balance. Today I got an email from them saying I owe an additional {$31.00} with no explanation of what that amount is for. I they indicate that if is interest, I feel that amount of interest for 3 days in criminal and that company should be federally investigated. I am a senior and on a fixed income and it took me months of saving to pay that amount, and now they want MORE???