davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

All Medical bills Since 2000 are not my responsibility as they were either paid through workman 's comp or through Medicaid and Medicare. They are trying to collect more money than what has been agreed upon through the contracs they have with these agencies. I have receipts from BC/BS ( My HMO or through other HMO 's which is part of Medicare A and B.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP (MS)

In XX/XX/XXXX I was mailed a check and paperwork with it stated that it was real money and if I cashed this check I would be obligated to repay the loan ... In XX/XX/XXXX my now ex girlfriend became XXXX.. In XX/XX/XXXX I lost my job and it was n't until XX/XX/XXXX that I gained another job that paid halfway decent. Throughout all this we managed to make the payments on this loan.. Then in XX/XX/XXXX we just did n't have the money ... We called and made a partial payment, we tried to make a partial payment the following month and they would not accept it ... So I stopped paying as they told me they were turning me over for legal action ... Meanwhile they have continued to call, we just did n't answer, they continued to send me mail stating they were proceeding with legal action ... About a week or so ago, my ex called me to tell me she had gotten a letter from them stating I now have a court date for XX/XX/XXXX I believe ... I then contacted them as while they have been sending all these collection notices they have also been sending more of those checks hoping I would cash another.. Which I have not.. Cant afford the loan I do have ... Anyway I contacted them and then went to see them this morning.. I took them a payment and told them I needed to know when I took out the loan, how much I borrowed and how much I have paid back.. I also wanted to know my balance ... The original note was for XXXX on XXXX XXXX, XXXX Then in XX/XX/XXXX I borrowed another XXXX ... They combined the loans and I had been paying XXXX a month until I reached a point I no longer could pay that amount ... Today I was told my total loan amount was for XXXX I have paid in XXXX. XXXX ... I have a balance of XXXX outstanding ... How can they legally do this to me? I will never get out from under this debt.. I figured it up and its like 72 % interest ... Is n't this illegal? What are my options here? My gf and I are no longer together, I am playing catch up on all my bills as I had to pay hers as well because she was unable to work ... I can not afford to pay these people 150 some dollars a month and I need some help ... I am of the opinion this company as well as others like it go through and get peoples credit scores and then in knowing they can not afford a loan, would not be approved for a normal loan, they then send out these checks to the poor who need help.. Then when the poor cash the checks they are in a vicious debt trap ... And they harass you sometimes calling XXXX-XXXX times a week wanting to know when they can expect their payments ... Please someone I need help with this as they are finally taking me to court.. Is there really a judge that will order me to pay this note at 72 % interest?
Consumer complaint received 2015-08-31
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R.M. Galicia, Inc. (NC)

I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my job regarding the garnishments which again is information that I never received. I did informed each representative that I was recording the call and each still gave me very rude service and unwilling to help me to understand the situation. Even informing me that I could go to the post office and request a list of returned documents which the post official is stating they only do for packages. As far as the loan goes when I was in school do to health issues ( still present health issues ) I had to drop out ( the school stated that they could not take the risk of having a student with my condition stay in the dorms ). I had made several attempts to pay toward my loan through the school and never received accurate information ( I also have documents to verify ).
Consumer complaint received 2015-09-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties (CA)

This started as a billing error at the hospital. I went to see XXXX XXXX XXXXbecause I literally felt like XXXX. My Uncle had recently been hospitalized for XXXX XXXX and I had been to visit him at the same time he contracted the virus. I fell illshortly after and went to my primary care because I was afraid I had it too. 
XXXX XXXX coded this visit with him as a " routine visit ''. My husband is a XXXX veteran and I have XXXX insurance. XXXX denied the claim becausethey told me the claim was coded wrong. I informed the hospital. Not only did I bring acopy of my explanation of benefits to them in person, but I made over 10 calls to variousoffices trying to get them to code the visit properly. This was anything but a " routine visit ''. 
Feeling like I have west nile virus is not a " routine '' thing. 
The hospital and XXXX XXXX 's office sometimes were polite about the matter. They evenclaimed two times they changed it, but they kept submitting the same medical code toXXXX who kept denying the claim because they do not cover " routine visit '' claims. 
Then I got a nasty call from a collections lady saying this would be going to collections. Afew months later I got a letter from " The Credit Bureau of XXXX XXXX XXXX and XXXX Counties ''. The letter is dated XXXX/XXXX/2015 and it says I have 45 days to pay in full orthey will report this to the Credit Reporting Agencies. 
I do not owe this amount. This is a billing error. The hospital has failed repetedly to correcttheir mistakes. They even told me in person it was a mistake and that they would fix it. Thishas been dragging out for almost a year now. I want this to end and for them to bill myinsurance properly. This is no way to treat the wife of an honorably serving XXXX veteran.
Consumer complaint received 2015-10-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (OH)

I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..
Consumer complaint received 2024-08-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 suppose 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.
Consumer complaint received 2015-03-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a Bank of America depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the BoA accts and has an IRA via Merrill as do I. BoA offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH BOA AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. BoA says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The BoA rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (CA)

I have a loan with New American Funding with a first payment due on XXXX XXXX 2015 and payable by no later than XXXX XXXX, 2015 to avoid a late fee charge. I checked with the company to be sure that I could submit advance checks for the mortgage amount to be credited each month and NOT TO BE CHARGED AS A LUMP SUM PAYMENT REDUCING THE PRINCIPAL. I was told I could do this and was given instructions on how to ensure the transactions occurred as I wanted. On XXXX XXXX, I mailed XXXX individual checks for each month : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with a memo on each check for the appropriate individual month 's payment. I sent a letter of explanation ; reiterating my conversation with the NAF rep. On XXXX XXXX I noticed the XXXX payment was not entered on line. I called on XXXX. XXXX and was told that due to the new payment system NAF " is at least 10 days behind posting and my payment should be posted Thursday and there would be no late charge even though the posting date would be real time. On XXXX XXXX I checked my bank statement and there is a transaction for each month 's check reducing my bank balance. On XXXX XXXX I called and was told that the corrections would be made within 7 days per the instructions I had originally submitted -- that there was an indication of a " notation in the system '' but it is not clear what it is - that the problems with their payment system are now corrected. I asked when would the corrections be made and she said she would call me to confirm the transactions have been corrected. I am skeptical because my instructions were clearly understood from the beginning ( or I was made to understand so ) and it appears they were ignored. I want to be sure the corrections are made, my instructions are followed as indicated in my letter to them and my follow up telephone conversations, that my bank account is reimbursed for the funds taken for XXXX, XXXX, XXXX, and XXXX. I do n't know what benefit resolution could accrue to be because they have debited by account 15 days prior to the XXXX mortgage due date, but if there is any I would like to know. If there is little or nothing in that regard, I will settle for the amount of the check for the XXXX 2015 mortgage due to be properly processed as requested and that New American Funding ensure that this problem is fixed and no customer has to endure this kind of stress of ineptness in the future ; especially when so much is done up front to avoid problems and confusion. ( See uploaded documents for details of this matter. )
Consumer complaint received 2015-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc. (CA)

A XXXX office enters into an written agreement to accept the insurance payment as complete payment for his groups services. He charged me and my ex wife {$30000.00} for operation and accepted that I will receive what the insurance company pays up to this amount and anything over this amount would go to his office. He has renagged on this written agreement and sent the case for collection to Credit Consulting Services. I provided our contract with the doctor to CSC That should our payment and agreement with the doctor 's office but CSC still keep trying to collect a non existent debt from me and my ex wife.
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I previously complained that sls mortgage was threatening to foreclose on my home and sent them the copies from a previous complaint against XXXX XXXX XXXX regarding missing payments. XXXX XXXX XXXX corrected the original issue and gave me a document to give to sls which I provided on XXXX occasions now sls has once again threatened with foreclosure and is now demanding XXXX to keep the house out of foreclosure when I DO NOT OWE IT ... I spoke to there customer service yesterday and again that asked for the documents and I told them they were sent XXXX times and that I will not send it again because it 's been 3 years now and they are to incompetent to correct the issue and to incompetent to read my past notes get the fax number that was provided to me and check with that department locate the documents and fix the issues of the missing XXXX XXXX 2010 payments.
Consumer complaint received 2015-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (FL)

This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where.
Consumer complaint received 2015-10-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (CA)

The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.
Consumer complaint received 2015-07-29
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I got a call from said name of XXXX XXXX ( XXXX ) XXXX he was calling from XXXXthat I was a Recipient of {$9000.00} grant to get this send {$220.00} to XXXX XXXX in XXXX so i did when no money came he told me that XXXX XXXX will release money XXXX told me i need to {$380.00} to XXXX XXXX.after I send XXXX XXXX ( XXXX ) XXXX he then told me the IRS had a hold to send {$590.00} to release the money in 15min.I think that I am a victom of fraud.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I contacted XXXX, Mortgage Banker, NMLS ID : XXXX about a mortgage. He did not respond to my call for more than XXXX hours. I called another Chase mortgage broker, XXXX XXXX, Chase, Mortgage Banker and he replied within an hour. The issue was, I needed to close within XXXX days. XXXX emailed me back, that he could not take an application from me because it would take at least XXXX days to close. I emailed him back and explained I could n't use Chase because of this closing time, and told him I appreciated his time that I was going to go with XXXX. A day later XXXX XXXX called me and I told him SORRY XXXX! He did not return my call in time and therefore using someone else for mortgage. Thanks anyway. He was a bit unprofessional on the phone trying to tell me that he had other business and did n't come into the office until Thursdays. I let him know again, I did not need his services and that 's that! He took it upon himself to run my credit, and write me a letter of denial from chase bank. He never should have moved forward with anything after I told him NO 'THANKS. It brought my credit score down during this time which really makes me mad and he denied me when I have over $ XXXX in Chase bank with a XXXX credit score. He is RETALIATED against me by taking this action and that is why I am issuing this complaint. He needs to be reprimanded and I am calling Chase Bank Consumer Direct to make another complaint with the Bank.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I was trying to see if thay can modif, my loan to make it a fixed rate with impounds. and thety sai they could not help. but they were always calling to see if I mailed my payment out and ask for my reciept numer and tracking number. and lost my home owners info. and called my threes time to get the info to them.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I am a single parent XXXX income family of XXXX to include XXXX children. Back on XXXX of XXXX I requested help or assistance from Chase Bank. Due to the troubled economy I was forced to work as a substitute teacher in the state of Florida and county of XXXX. In XXXX county their substitute teachers work through a staffing agency/temporary agent. Over the summer months and off days due to holidays or XXXX days. I can apply for unemployment. Therefore, I was underemployed/unemployed due to low wages and the XXXX being shut down due to holiday and breaks. However I was approved for a unemployment loan forbearance on XXXX/XXXX/XXXX for a lower mortgage payment of {$450.00}. with a balance of XXXX accruing every month that was left unpaid. Though if I was approved for a government program how come they did not pay the difference? At the end of the program dated XXXX/XXXX/XXXX, I am still underemployed/unemployed even though I applied for jobs the entire time. I asked Chase Bank for an extension, so I reapplied and asked for help or a workout with my mortgage. I have just got word back from Chase Bank on XXXX/XXXX/XXXX stating that I am 15 months ( {$15000.00} ) behind on my mortgage and they can not offer me anything type of help other than a short sale. Now for 12 months I made a total of {$5400.00} in reduced payments, how can I be behind over {$15.00} and why or how come the {$5400.00} has not been applied to my loan. Why they can not help me, but allow someone to buy my home for an extremely low price, then put me and my children out onto the streets after for over a year I have worked and took calls from their CSA named XXXX XXXX XXXX XXXX and made my payments on time to show stability so that I can stay in my home. 
In addition I supplied them with income or wages and I was told that they could use those funds along with child support and I have recently learned that they can not use the income. Why? Does it matter if I was working for a temporary agency? I was told by XXXX XXXX that it did not matter. Only to make it known to you that they did not use the income and offered to me to sale my home as a short sale. This particular issue is related to a loan workout due to being unemployed and regaining a job to show permanency. I was placed on a government program.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.