davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delta Management Associates, Inc. (CA)

Delta Management went through the State of California and garnished my retirement with out any prior communication. They claimed I had signed a loan consolidation through them and I had not. When I ask for proof they would put me off and would not respond to my calls or e-mails. I tried to work with them and they appeared to want to work with me but when I started to comply with their request, they backed off, The process went like this : They were informed and requested for paper work to work with them on a payment plan. 
o I complied with every request made. 
o I saw on the internet where they were doing things that were not in compliance with the information that was on their website. I inquired about it. 
When I inquired, that is when they stop trying to act as if they were working out a plan with and for me. 
The XXXX said they are not working for them and they have had a lot of problems with honesty and integrity and they were not representing them.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

I came home last week to find a Synchrony Bank Credit card issues to me for Amazon Prime. I opened the card it had a sticker on no activation requers and it had a XXXX credit line. I never applied or file out an application for this card. Whjne I called Synchrony Bank it said that this card already had a Balance of {$980.00}. I called to find out what happened they informed me that the Sunday XXXX/XXXX/2016 that someone called in and an sked to use the cards to make purchases and they bought XXXX on am, Amazon prime an d had the items shipped to XXXX XXXX XXXX XXXX GA XXXX. I explained that I did n't order these items and i dont know who lives at that address. I called the police they filed an identity theft report case number is XXXX her in macron XXXX XXXX of XXXX ..The person who uses that address is a career criminal with a laundry list of charges outstanding against him have a real problem when I called Synchrony Bank they did n't question the second card since I already had a card issued to me from HHGRegg that was is in good standing they advised me they did n't question the second card being open. They also informed me it was standard practice by Amazon.com to let them give the custom, er the ability to charge on Amazon prior to receiving the card and that they ship the cards already activated no need to activate. I have a real problem with this. Not only have they allowed my identy to be compromised and my personal info to be stolen
Consumer complaint received 2015-08-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card.
Consumer complaint received 2024-08-12
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. (CA)

15 U.S. Code 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party
Consumer complaint received 2016-09-29
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2009 I defaulted on a mortgage loan number XXXX. On XX/XX/2009 a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has not increased my credit score where it is suppose to be after all debt was closed in good standing and/or removed. Also it reports i have XXXX collections and have only XXXX open accounts in good standing but the information for XXXX is incorrect which I have been disputing it with transunion XXXX with no response from Transunion. My credit report states It is basing inform " 3 years from today 's date. In which it states contradictions that effects my sore. I have XXXX late payment ( not true ) XXXX on time payments, XXXX " current '' on time payments, totalling payments to be XXXX. But the grid they display is showing no late payments and all payments on time. Also it shows the grid shows XXXX, XXXX payments being code for " unknown ''. and counting it as XXXX missed Delinquents payments and XXXX missed payments ... And refuse to demand XXXX to explain and/or fix. I explained that During those years I was under XXXX XXXX mortgage modification program in which it clearly states and the bank stresses that any late payments during this process ( XXXX, and XXXX ) mortgage will be denied modification. I completed the program successfully with no late payments on my mortgage being modified. Trans Union, XXXX, XXXX marked those years unknown, delinquent, and missed payments all at the same time which is NOT TRUE. Which " XXXX '' ( nothing ) in collections XXXX accounts open in good my score should be more than XXXX. I need all credit bureaus, and XXXX investigate and my credit and report corrected.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (UT)

XXXX : XXXX Ocwen Loan Servicing , LLC . Regarding loan : XXXX - XXXX, UT XXXX I am a XXXX in XXXX specializing in Short Sales. I have been doing this since XXXX. Never have I seen anything like this. I have had a good offer on this property since XXXX. Ocwen has drug their feet, changed numbers in their system, repeatedly putting me off for months at a time, only to turn around and tell me they now need updated financials from the borrower which is only due to Ocwen holding onto this property. I call Ocwen every few days - all my conversations are documented. Ocwen repeatedly told me that XXXX was the investor on this loan and that XXXX is the holdup. However, I have contacted XXXX and they confirmed that they ARE NOT the investors on this file. Also, Ocwen sent me a letter stating XXXX was the Trustee - XXXX told me that Ocwen has the sole power to make all decisions on this short sale. So, my complaint is that Ocwen has been giving me the run around for almost XXXX years - They have an offer for more than their current value yet they continue making me jump through hoops and stalling on officially responding to this short sale. I do not know what benefits they get for keeping this property on their books. But I have never seen such poor business practices. I have other loans I 'm working with Ocwen and the last one only took XXXX weeks to get an approval letter and the offer was lower than their current value. So, it would appear that Ocwen is intentionally keeping this negative file on their books for their own gain. This property is physically falling down the mountain and now with the heavy snow melting the damage is only getting worse. The home is breaking in half - the roof leaks badly so there 's mold issues ... and they have a full price offer. There 's something wrong or shady going on with this file and Ocwen.
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (FL)

We have paid all our medical bills with XXXX XXXX XXXX, forcing us to close our Retirement accounts in an attempt to avoid a negative impact on our credit We call Central Financial control to dispute a medical bill. 
Despite the ruling by CFPB, Consumer never received a debt validation notice. 
We called to request a debt validation notice. 
According to the ruling against Central Financial Control, '' The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OK)

I am an XXXX XXXX. When I was XXXX to XXXX, my loans went into default. Before going to default, I attempted to get my loans in a deferment or income based repayment plan. I had tried to have the XXXX use a Student Loan Repayment Plan ( SLRP ), but he XXXX did not process this payment correctly. Instead of putting the loans into a military deferment, using the SLRP to pay the loans off, or put the loans in an income-based repayment plan, my loans went into default. I have tried working with the loan provider and debt collection company, but neither will not allow me to pay off the loans with a payment plan. Now that the loans are in default, the XXXX 's SLRP program wo n't pay the loans off.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN PACIFIC MORTGAGE (UT)

Dear Staff, My name is XXXX XXXX. I recently bought a home that I went through American Pacific Mortgage to finance. 
The mortgage company forced me to put into escrow more than {$8300.00} extra in payments during closing, on XX/XX/2016. That money was to be used to install flooring and for a range. When I ordered the flooring from XXXX, American Pacific Mortgage at first refused to pay the company, telling me that I must pay out of my own pocket first then I get reimbursed, which is bizzare, since the escrow money is placed there for the purpose of paying for the costs of flooring and range stove, however, they want to withhold that and not pay. 

However, after some intervention, they sent {$4300.00} of payments to the store, and it got delivered. That took 2 days for them to process and send the payment. 

XX/XX/2016, I made another request to XXXX XXXX who handles escrow payments for American Pacific, for another approximately {$810.00} to pay XXXX for more materials. However, they did not reply, and thus, after leaving many messages and emailing over the last 3 weeks, I decided to contact in person the branch manager, XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX, of American Pacific Mortgage but each time, they had ignored my request, no response or replies to my emails or call, causing tremendous problems with the flooring installer, having to return and wait upon the materials to come and not knowing when the rest of the materials will come. 

They made me sign an agreement to be finished at a certain date, which has way passed, but they have been the biggest problem in withholding the funds. 

Not being able to wait any longer, I decided to pay out of my own pocket the order on XX/XX/2016. I then immediately called XXXX XXXX and left a message, requesting the {$4000.00} balance of the escrow money I had paid into be reimbursed back to me, but it appears that he and American Pacific again refused to respond, thus, I am now contacting you to intervene to push for American Pacific to pay back that money I had paid them. 

Their Address of the person that should be sending the check is : XXXX XXXX - Assistant Comptroller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-09-15
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ TD Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at TD Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (OH)

Doctor submitted wrong Code to Medical Insurance. His code stated Cosmetic, so the Insurance denied the claim. 

This was removed from Collections before. This is a second attempt to collect funds not due. I refuse to pay {$190.00} for wrong Code when the Doctor can resubmit under proper code and I will owe less than {$8.00}. I feel this is Fraud. 

This provider is attempting to collect money he is not entitled to. 

Samples were removed by the XXXX Doctor XX/XX/XXXX. This bill is from XX/XX/XXXX, not XX/XX/XXXX. XXXX Doctor and Hospital have been paid in full.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (GA)

I recently submitted a loan modification paperwork package to stone gate mortgage. I had this sent by priority mail so that I could keep track if this was delivered. The package was delivered on XXXX/XXXX/17. I had talked to stonegate and told them I am sending it this way and if there is anything else I need to do please call me. The girl confirmed she would do this. 
Today I get a letter from a lawyer stating forclosure procedings have started to my surprise. I called Stonegate and the girl was like it never showed up. I said it shows it was delivered. She said there is nothing they can do for me at this point. Now i am very upset, I explained my mom was critically ill and took care of her during this time. My dad had a XXXX and is XXXX and has XXXX, he is XXXX. I did what I feel any child should do. My mom died on XX/XX/XXXX, so now I am homeless and motherless and heartbroken
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (MD)

Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Firstsource Business Process Services, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Todays date : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONE ADVANTAGE LLC account numbers are XXXX, XXXX, XXXX and all account pertaining to my social. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: World Acceptance Corporation (NJ)

" Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I filed a dispute with Experian disputing, XXXX XXXX XXXX XXXX, which is showing a past due balance of {$900.00} and I filed Chapter XXXX bankruptcy including credit first which means that it 's suppose to have a {$0.00} balance and report that it is included in chapter XXXX bankruptcy, another one is XXXX which is reporting twice for {$100.00} and once for {$440.00}, and also there is a chapter XXXX bankruptcy that is reporting incorrectly, such as date and case number and amount, when I asked them how they verified they stated that they used a 3rd party data mining company when they are suppose to speak with someone to verify the information themselves, and not use a 3rd party company. I sent letters asking how the other information on my credit report was verified they sent a letter stating that they have some new information and that it will take an additional 30 days, I thought that the credit bureaus had 30 days to investigate and if they are unable to resolve in the 30 day timeframe they are suppose to remove it from the credit report and not say they have an additional 30 because the have new information. If they have the new information why do they need an additional 30 days when they can go ahead and update my credit report.