davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

#  XXXX   )   ARS  {$890.00} i  XXXX   XXXX  have contacted  ARS  about this debt. However, they referred me to send a signed    XXXX    statement, and this debt is still on my credit report.
Consumer complaint received 2017-05-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valley Credit Service, Inc. (OR) (OR)

Valley Credit Services is attempting to collect a debt with the incorrect amount. They purchased an outstanding balance five years ago and never notified me of the purchase, of the purported amount, or of the ability to  dispute and correct the amounts. I have notified them in writing and over the phone that the debt is disputed.     I called multiple times after seeing the derogatory report still on my credit and was told that I had to pay the entire amount, including interest and fees in excess o f Oregon Statutory amounts, or they would continue to harm my credit. I was never gi ven the ability to dispute the errors and they refused to update and correct the information.     I contacted the original creditor, my local credit union, for the correct amount outstanding and they forwarded that t o Valley Credit Service. After notifying repres entative "  XXXX  '' that the amount was incorrect and providing proof of the credits not applied at the sale of the auto, she refused to update the amount owing or the false amount reported to the credit bureaus.     Today was my final attempt to resolve with them. This company is n't listening to any disputes and is unwilling to correct their errors. Before filing a civil complaint for damages, I want ed to seek one final help to have  them conduct themselves with integrity.
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Burr & Reid, LLP (NY)

I, XXXX XXXX disputed a debt that I do not owe. The credit bureaus continued to report this false information. They contend that the debt is verified while I sent and received a letter from the debt collector that they can not find any account i their office.
Consumer complaint received 2024-10-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (CA)

I opened a auto loan with XXXX in XXXX, I called in XXXX and talked to a representative trying to settle the debt. I asked for a copy of the contract to be sent to my current location in which I never received. Also, I was told that they couldn't locate my account. Under the FCRA sharing my information without my authorization violates my right to privacy. Now it is unclear who I owe for the debt that's reporting on my credit report.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit (AL)

A previous complaint was filed against Argon Credit XX/XX/XXXX regarding violation of Alabama usury law ( 8 % interest ) on {$2000.00} personal loan, and this account was paid in full back in XXXX XXXX. Argon Credit kept reporting this loan as delinquent on XXXX, and I filed a dispute in which XXXX verified as being paid in full on XXXX XXXX, XXXX. This bogus account was placed back on my XXXX Credit report as having a {$500.00} balance on XXXX XXXX, XXXX. I disputed this, immediately, two weeks ago, and then I remembered that XXXX had already verified as paid in full. Today, I called XXXX to find out why it was deliberately violating FCRA and was told by a phone tech and XXXX supervisors that Argon Credit did not respond to the dispute within the required 30-day time, but " XXXX gave Argon Credit additional time to correct the record. '' Argon Credit failed to respond to my dispute in a timely manner. Argon Credit is well aware that federal law requires it to respond within 30 days. XXXX XXXX, XXXX is way over the period to respond to a dispute. And, as Argon Credit is no doubt aware, failure to comply with federal regulations by credit reporting agencies and creditors is a serious violation of the Fair Credit Reporting Act and cause for an investigation by the FTC. I have a copy of the dispute results from XXXX back on XXXX XXXX, XXXX, and this is a blatant violation. I am requesting this matter be resolved, immediately, or else I will be resolved to take legal action to protect my rights. 

Argon Credit is knowingly using " parking '' tactics that are spelled out in several court cases that have been won by consumers against dishonest creditors.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ascension Point Recovery Services, LLC (CA)

Ascension Point keeps calling our # repeatedly, sometimes more than 10 times each day. This outfit is trying to contact us about my deceased mothers credit cards. We have done the research on this company, and they try to collect debt from families of the deceased. We have NEVER been a signer/co-signer of any type with her. My wife and I both work XXXX, so this is BEYOND annoying. This has been going on for better than 60 days now. Please help
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I had my payments set up on auto pay, one month without notice my payment was sent back and I did n't notice. I then became late. I did n't realize the money had been returned to my account. I then call in to find out what was going on and tried to make a payment over the phone. They told me the address had changed and they no longer accepted payments at the address that I sent the payment to. I could n't pay two months at once and they would not accept one full months payment. I updated the address and sent a payment online. My complaint is that they sent a payment i made back anf then refused payment.
Consumer complaint received 2018-02-22
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (CT)

On XXXX/XXXX/2016, My husband and I called XXXX XXXX to make a payment to Honda financial ( because they refused to take a payment directly from me ). XXXX XXXX confirmed the code and company I asked them to send it to as Honda financial code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and XXXX XXXX will take no accountability for THEIR error. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time all they say is the funds never came back and there is nothing they can do ... Honda does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can XXXX less about their consumers when they pay THOUSANDS of dollars for a product. Further more it sickens me to think XXXX XXXX can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that Honda cant do a thing to put my account on a freeze or something until XXXX XXXX resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't XXXX about the consumers they service. Not to mention Honda claims to have sent me a repossession letter months ago and I just found out about it on XXXX/XXXX/2016. they said a letter was sent months ago and have failed to provide the signature on the alleged certified letter. I think this Is because they did n't send one because no one in my household singed for anything like that. I think what they are doing is illegal and wrong so that they can scam me for more money at this point. I also want to note that if they had changed my payment due date 2 years ago as requested on several occasions, I never would have been behind on my payments as I was unexpectedly laid off and advised them I needed the date moved to compensate. I 've never worked with such an incompetent group of corporations in my life and if that is the way they want to do business, I am SHOCKED that they are still in business.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America canceled our mortgage application, 7 days before closing, claiming we lacked sufficient funds available for closing. For almost 30 days, BoA had the necessary information to see proof that we had sufficient funds, but apparently never processed the documents internally so that they were available to the underwriter. Initially, our mortgage officer claimed we were denied for not submitting a copy of a check showing sale of a mututal funds for closing funds, but later admited they never asked for the canceled check. For 3+ weeks, it appears BOA did not process any documentation they had requested, then at the last minute, tried to fix their errors. Mortgage officer was unreasonably hard to get ahold of, ignored multiple requests for status updates, then had the audacity to blame us, the consumer, for Bank of America 's own failings. Had Bank of America reviewed the documents they had requested and received in a timely manner, they would have seen sufficient funds for closing, or would have had time to request further information. BoA did neither - they simply canceled a mortgage application 7 days before closing, 38 days into the process. 

We acted in good faith, submitting all requested documentation within 24 hours at each request. We sent multiple emails requesting status updates and got no response. Bank of America simply failed to execute the mortgage application due to their own errors and mistakes. Their reasoning for cancellation ignores the multiple documents submitted that clearly show our ability to close. 

It 's hard for us to understand anything we could have done better. Bank of America clearly failed, clearly made mistakes and clearly canceled our mortgage due to their own errors. The consumer is left dealing with the damage and heartache while Bank of America can move on to other mortgages as if nothing has happened.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions  in  XXXX  and  my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with  XXXX  and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e  XXXX . I co nsolidated all my student loans through  XXXX  and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in  XXXX   XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for  defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in    XXXX   an d in good standing so it comes as a shock to see  XXXX  loans dating t o  XXXX - XXXX  b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since  XXXX  defaulting in   XXXX  (  I never received word of Navient 's existence until the late spring of   XXXX   ) from  XXXX  and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n  XXXX . I  believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from  XXXX  and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to   XXXX   illness.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (NY)

I was recently XXXX and was unable to make a payment on my home equity line of credit. I am on a fixed income ( social security and pension ) that are directly deposited monthly to my KeyBank checking account. Not only am I a low-to-moderate income person with health issues that prohibit me from easily going to a local branch office, but I also live in a low-to-moderate income census tract in the City of XXXX, and have been XXXX over the last several months, and want to in good faith pay my bills. I have been a long time customer of KeyBank of over 35 years. KeyBank is assessing multiple fee charges ( {$38.00} x XXXX charges on XX/XX/2016, {$38.00} charge on XX/XX/XXXX, {$38.00} on XXXX XXXX, {$38.00} x XXXX charges XX/XX/2016, plus {$28.00} in reoccurring overdraft charge XX/XX/2016 ) and is not willing to waive any of these fees because I was in XXXX and unable to deposit my rental income checks. Even though my social security and pension are being deposited, KeyBank is taking the money to cover the multiple fee charges. Without waiving the fees that accumulated to over {$500.00} this prohibited me in making my l other line of credit payments with KeyBank. Their inability to work with me is causing additional negative impacts. I have monthly income to work with and KeyBank is compounding the situation by not working with me even though I have monthly steady income and want to pay my bills. Although I attempted to work with the Branch Office on XXXX XXXX XXXX XXXX multiple times, they do n't want to take the time to work with me and relate to my issue. I need assistance restructure payments and waiving fees so I can get back on track. This is simply causing me to be behind on a monthly basis and I ca n't get ahead. HELOC Installment Loan/Line of Credit Account Number : XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

SENT DISPUTES OUT WEEKS AGO, DISPUTING THE ACCURACY OF ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY DID NOT GET DELETED. THE ACCOUNTS BEING DISPUUTED HAVE SEVERAL INACCURACIES AND MUST BE DELTED UNDER THE FCRA. UNVERIFIED, INACCURATE ACCOUNTS CAN NOT BE REPORTED ON A CONSUMER REPORT. AFTER YOUR REINVESTIGATION, DELETE AND BLOCK THESE ACCOUNTS THAT ARE REPORTING THE INFORMATION THAT IM DISPUTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I ALSO AN ACCOUNT THAT IS REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THE ACCOUNT IS CREDIT ACCEPTANCE. I HAVE NOT BEEN LATE ON ANY PAYMENTS. YOU HAVE 30 DAYS TO SEND ME VERIFIEABLE PROOF THAT I WAS LATE. IF YOU CANT SEND THE INFORMATION OR PROVIDE ORIGINAL DOCUMENTION PROVING I DIDNT MAKE THE PAYMENT, THE YOU ARE REQUIRED UNDER THE FCRA TO UPDATE ANY LATE PAYMENT IN THE PAYMENT HISTORY TO " : PAID ON TIME, CUURENT, PAID, NEVER LATE. ''
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank 's response is false to my earlier complaint COMPLAINT ID XXXX. The electronic payments were made payable to XXXX XXXX instead Mayflower XXXX as I requested. Proof of this was received late XXXX by the subpoena from the subpoena department XXXX Capital One Bank. In XX/XX/XXXX I requested a refund to correct the bank 's error, and I sent a copy showing payments to XXXX XXXX instead of mayflower  to the office of the president of Capital One Bank after speaking with XXXX of that office.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$1200.00} XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$5900.00} On XX/XX/XXXX, I have review my credit bureaus and noticed the accounts are being inaccurately report, and need to be deleted. My rights have been violated according to XXXX XXXX XXXX section XXXX ( a ) states I right to privacy. The breach of XXXX XXXX XXXX, XXXX credit bureau, and XXXX web have exposed my personal information. I do not have contract with any of these above mentioned creditors, therefore I would like this information deleted from my XXXX credit report immediately. FCRA XXXX XXXX XXXX section XXXX ( XXXX ) Also states a consumer reporting agency can not furnish an account information without my written consent and/or instructions. The above company has no permissible purpose to be on my credit report. 
Moreover, FCRA XXXX XXXX XXXX XXXX ( a ) states a creditor shall 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 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have been experiencing a financial hardship crisis. I overspent the credit limit, and have been trying to get assistance to help me get the debt paid. I called Capital One and asked for help and was told there were no plans available for me. The late fees and interests are continually going up and I do not see any light to rectify this.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

A renter sent me a false check, in XXXX, I reported this check to PNC in XXXX, they did not look into until XXXX after my reporting of this matter on more than one occasion. When my account was closed in XXXX, they did so with no warning, no communication, no email, no call. I came into various branch offices and called to understand what was going on for why my account was closed and my remaining balance was not refunded to me OUTSIDE of the funds of the false check ( that they processed in XXXX and hadnt caught until months later in XXXX despite my reporting in person and via phone several times! ). In XXXX and XXXX Ive visited branches a total of 3 times, all pointing me to call a number, the numbers they give tell me to go to a branch to speak with bankers, bankers give me a number to call and the cycle continues. After each visit, a banker takes my name and number- but no follow up is ever given. Ive been at this since XXXX, it is now XXXX and no resolution or my returned funds. I have all evidence of the background check, emails, and lease details of the person who gave me the false check that started this all. Ive kept all evidence, which Ive tried to give to PNC, but they dont look at or request any evidence Ive tried to share. They are not resolving the issue on my behalf which as a customer of over 14 years is disappointing. I will be switching banks after this matter is resolved and will trust my savings account with my emergency funds elsewhere, as this issue has been a stressful financial hardship given XXXX XXXX XXXX XXXX during this time and needed my emergency savings to help pay my mortgage and other expenses.