davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXXXXXX I contacted XXXX XXXX XXXXXXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed inaccurate account information with Experian that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from Experian, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that Experian share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue XXXX  and XXXX  XXXX. I'm trying to resolve this issue. But I know my rights and the law. I just want Experian to abide by the law as well. I also sent them a letter that the addresses that had on file weren't mine and also inaccurate. But again they refused to correct my report.
Consumer complaint received 2018-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

When we bought our home, we had XXXX, then XXXX  XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents. 

Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary. 
We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX  XXXX XXXX before they sent us to Ditech who fail to research of help us.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX Card refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.
Consumer complaint received 2018-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (KS)

These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In typical fashion for BOA, when I called it today about a fraudulent charge on my mastercard, it  subjected me to its usual stream of meaningless recorded messages, long wait times, refused to credit my credit card, then hung up the phone on me. BOA clearly displaces the cost of complying with regulations intended to provide an even playing field for credit card issuers onto its customers to avoid the costs of a reasonable credit card operation that does not duck, weave and generally evade any contact with its customers that it can. In habitually wasting customers time, it dissuades many from recording problems with it. 

On XX/XX/2018, a fraudulent charge for {$85.00} posted on my credit card that I sought credit for. BOA hung up the phone when I did so. XXXX XXXX XXXX XXXX claimed that it mailed me some lawn seed but has no proof of delivery for it since I did not receive it. In its typical idiotic fashion, BOA demanded that I provide proof of non-delivery, rather than requiring the merchant to provide proof of delivery. The CFPB needs to ensure that the burden of proof in such situations is not routinely placed onto customers but on merchants who seek to charge for merchandise that is never received. When I objected to BOAs idiocy of requiring proof for a non-event, it said the merchant had 15 days to get something to me. Yet the merchant had already claimed that I received it. So this is another stroke of  brilliance and bad faith from BOA by which it prolongs the period of time it must issue credits to customers and enhances its own cash flows on the backs of its abused customers who are forced to have their time wasted and credits delayed by its hostile policies. 

As more proof that BOA evades contact with its customers, the contact phone numbers on the back of my card are scarcely legible. They are extremely small and use white typeface against a light grey background.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Disputed account with portfolio recovery associates on XX/XX/XXXX and XX/XX/XXXX through the credit bureaus because I didn't recognize the account and both times it came back verified. After pulling all 3 reports I noticed the account was being reported different with all 3 bureaus. I called portfolio recovery on XX/XX/XXXX to find out why was the account was reporting closed and late with XXXX, open and unknown with XXXX   and a totally different account number for XXXX. I was told the account is not closed and the account number with XXXX was inaccurate. I asked them to send information stating when the account was open and closed, when was the last payment made and for how much. I was told they had limited info that they will send and I needed to contact XXXX XXXX for more information. It is unfair and a violation for them to keep reporting and verifying inaccurate information and they won't stop.
Consumer complaint received 2018-02-21
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Progressive Financial Services, Inc. (NJ)

To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXXXXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.
Consumer complaint received 2018-01-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

We did defiance with quicken loans. My inside company sent them both my policy 's and they only included one ins to our new mortgage. XXXX 2 months, I reaized it, asked me for recorded calls. They could n't find. So my payments that were suppose to e less are now, way over our head they had all XXXX during process. Is there anything we can do we are behind and in pro patio no period for a re modification to our loan, which they did n't I form we had this option till we were over 8months behind, refused my payment after I was to, d, as long as I paid before, the XX/XX/XXXX, I could.i called on XX/XX/XXXX to make payment, they would n't take it. All backpay or Nothing. Then after forclouser process was well rolling, they offfered the modification. When I feel should have been offered right away. Also the ins added an additional XXXX to our monthly payment which is crazy, as they had all the info
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. 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 patients authorization. Therefore, my request is twofoldvalidation 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.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Have a letter from WF branch manager where she admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through their was more than enough funds so in addition to reversing and refunding fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset and obsessed with a VPN and email purchase that Ive done every month for the last two years which is transparent for everyone in the banking system and lawn force meant to say but somehow magically nowadays theyre just not satisfied. That was their excuse yesterday for blocking my account, yet I have photos and documentation and they can NOT explain why I cant use ATMs really anywhere and they hide behind their excuse. Yet their branch manager admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through since there were enough funds in first place. So in addition to reversing and refunding bank fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset with my VPN and email yet I have photos and documentation and they can explain why I cant use ATMs really anywhere and they hide behind that is their excuse. No I guess yesterday they just decided to allow an XXXX payment to go through isnt that ironic because this entire time for the last three months when theyre wet sponge they didnt want to let it go through to somebody else Wells Fargo and they plan on letting me have a normal checking account like everyone else. If by any chance Wells Fargo doesnt know and they cant answer for their actions its OK they can just say they dont know either. Attached is the letter from the branch manager reverse and refunded everything since well and she is a secretary there is plenty of fun so theres no reason why that IRS payment shouldnt of gone through in the first place. So what does Wells Fargo and everyone have to say for themselves, again if they just dont have an explaination, thats OK they can just be like everyone else and say they dont know either. Let me know if you cant be you that letter heaven forbid.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A recently run credit check ( XX/XX/XXXX ) revealed that there was an open credit card through XXXX XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX  XXXX, as well as XXXX XXXX  today ( XX/XX/XXXX ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. 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 patients authorization. Therefore, my request is twofoldvalidation 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. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

XXXX XXXX on XX/XX/2015 or there about. I canceled service shortly after receiving services due to slow internet. I paid this charge after cancelling and still remains on my credit score. After paying I received no contact from XXXX XXXX.