davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

My original unpaid principal balance is {$150000.00} but my current unpaid principal balance is {$150000.00}. My loan is current and i have never missed a payment i dont understand how my balance could be going up unless i have a negatively amortizing loan which i do not. I have a FHA loan with a fixed rate of 4.2 %. The servicer is pennymac and the loan number is XXXX and they have been non responsive to my inquiries on this. I am very concerned.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

In XXXX of 2008, my husband and I sold our home to a third party. The lawyers for the buyers failed to payoff our mortgage and allowed the buyers to assume our mortgage. Subsequently the mortgage went into default and the mortgagor XXXX XXXX XXXX foreclosed the property. I have filed a lawsuit against XXXX XXXX XXXX and the buyers.
Consumer complaint received 2015-11-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (TN)

Questioning possible fraudulent mortgage by XXXX. I was not working at the time. This mortgage should have never been written, according to several employees at XXXX, because of suspicious appraisal. I have attached a list of at least XXXX reasons why this should have never been done. I was told that I should sign the loan documents and the problems would be resolved after the signing. A manager told me this. The issues were not resolved. Although they did refund the appraisal fee because of major inaccuracies. ( The appraisal said there are no bedrooms in the house because there needs to be a closet for the room to be considered a bedroom- There is only one room, on XXXX floor that has a closet and the appraisal does n't mention that at all ) This loan was later sold to XXXX XXXX XXXX , then before it was sold to M & T Bank , I called and warned them that this was a fraudulent loan and they should not accept.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Creditor are submitted bogus information on credit file. XXXX bank submitted I had opened a credit card with them in XXXX XXXX, account number *******************. This information fraudulent attempt to collect funds. There is not any validated sources via signature confirming that I have utilized the credit card in reference. It is true that I had an account in XXXX and this account has not been active since XXXX XXXX with XXXX with an outstanding balance of {$470.00}, however, this information is under a different account number and is over 7 years old. Every time I dispute this information, the activity date changes and it is never removed from XXXX or Equifax data base. Also, there is another credit card that been inactive since XXXX XXXX XXXX XXXX XXXX, which continue to change to activity date. This is another means of keeping the derogatory information on my credit. I spoke to creditors and credit agents regarding this error on several attempts they temporarily remove the information and within 6 months put the information back on my credit. I know that the credit pay these credit agent for reporting purposes, but I thought the information had to be accurate and they must prove that the information provided is not false. But based on what I was told today, the agent do n't validate any information of factual data ( via electronic or hard copy ). They only verify based on what the credit states. If that is the case, then anybody or company has the ability to blemish ones character by just stating whatever they want and it will be publish publicly. My son is XXXX years and I has derogatory information on his account that I have been trying to dispute. All because he has a common name can blemish. This reporting methods must change. As a consumer you expect that agency are held accountable for the actions especially when they are reporting personal information on others. They are expected to comply to ethical and legal guidelines and if unable to do so, then the government should intervene and correct this matter. I hope that you will be able to investigate this matter and if not help me, but at least stop this from happening to others.
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Medical Business Bureau (TX)

I was contacted on XXXX/XXXX/2014 by the Medical Business Bureau ( MBB ), a debt collections agency, and was told that I owed a hospital bill for an ER visit to XXXX XXXX 's XXXX XXXX XXXX in XXXX TX for the date of XXXX/XXXX/2014. I was told by MBB that my insurance at the time, XXXX, paid {$110.00} towards this amount and the remaining balance ( {$700.00} ) was my responsibility. When I asked for a bill listing each charge, MBB could not provide it to me and said I should have already received the bill from XXXX XXXX XXXX, the medical billing company that handled separate charges for the ER visit on XXXX/XXXX/2014. When I contacted XXXX XXXX XXXX, they said that the address they received from XXXX XXXX 's XXXX XXXX XXXX, and the address that they sent their separate billing charges to, was also XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tx, XXXX. Still, I must stress that I had not lived at this address for 2 years at the date of service, but they still forwarded the bill to the outdated address. The debt was then sold by XXXX XXXX XXXX to MBB who then contacted me by phone to collect the debt. The amount of the debt XXXX XXXX XXXX said that I owed was {$440.00}, but when they sent my debt to collections ( MBB ), MBB said that I owed {$700.00}. How could I owe MBB {$260.00} more than the debt that XXXX XXXX XXXX said I owed? Was MBB charging interest on the debt that they collected from XXXX XXXX XXXX? 

I contacted XXXX XXXX 's XXXX XXXX XXXX and they admitted that they forwarded the bill to an outdated address. I asked XXXX XXXX 's XXXX XXXX XXXX why they did not contact me by phone, mail, or email to confirm my address for the bill. I know at the date of service that I gave XXXX XXXX 's XXXX XXXX XXXX my most current address, XXXX XXXX XXXX . XXXX . XXXX, XXXX, Tx, XXXX. For some reason, XXXX XXXX 's XXXX XXXX XXXX had XXXX XXXX XXXX. XXXX . XXXX XXXX Tx XXXX on file for my guarantor, my father. When they did the billing for the XXXX/XXXX/14 visit, they sent the bill to an outdated address. This amount in question ( {$700.00} ) should have never gone to a collections agency. I am beyond upset with XXXX XXXX 's XXXX XXXX XXXX for billing me to an outdated address and also upset with XXXX XXXX XXXX for billing to the same outdated address. I have already contacted MBB through a complaint with the XXXX and they are issuing me a refund and closing my account with them, but I am submitting this complaint to make other people aware of the medical billing errors that XXXX XXXX 's XXXX XXXX XXXX and XXXX XXXX XXXX made. A billing error that has caused me months of stress, frustration, and numerous calls of harrassment from MBB to collect this debt. I will not use XXXX XXXX 's XXXX XXXX XXXX XXXX or any affiliate again in the future. I will also post to every consumer protection agency I can about the serious inconvenience that I have had to deal with for the past year.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with Midland credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted Midland Credit for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with Midland Credit Management.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I sent TransUnion a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. TransUnion received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (CA)

Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA.
Consumer complaint received 2015-05-12
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Credit Service, Inc. (UT)

They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

XX/XX/XXXX I had been hurt at work and was unable too make payments on my XXXX Mortgage due too the fact workers comp. was not paying me .The bank started billing my line of credit. I have asked for a forbearance since XX/XX/XXXX they have lost the first batch of paper work then I submitted new paper work in XXXX. I have spoken too them and get the story it takes XXXX days for a answer. My first Mortgage has been modified with XXXX without a problem I think I have been lied too on how long it takes and believe they may pull some kind of foreclosure while i 'm still on XXXX
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.
Consumer complaint received 2015-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NJ)

US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX.
Consumer complaint received 2015-04-01
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (TX)

put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (AR)

I have had an American Express XXXX card for many years. The traditional XXXX card does not have any interest or service charges if paid if full each month. I use the card daily for every day expenses and pay the card balance in full each month. Recently my husband and I remodeled our home and decided to defer some of those expenses by using the " Pay over time '' option of the card. Today I wanted to pay {$1000.00} directly to this portion of the card to reduce the balance that is being charged a finance charge. When I called AMEX to do that I was told that any payments are first applied to new charges ~~ which means it would be applied to charges already made but not yet on a statement to pay. Not allowing me to pay directly to this line of credit to reduce the amount being financed seems totally unfair and as a consumer very abusive. I asked for a supervisor and was told the same thing. The only way to pay off this balance is to basically not use the AMEX card so that all payments go directly to the pay over time portion, which is at 18 %... 
I filed a complaint with AMEX but expect no response from them. 

XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-09-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I took out a personal loan with Wells Fargo Bank using a cash savings acct. as collateral. I have had nothing but problems with WF in several of my XXXX accounts with them to the point of ready to close all of them. I went to pay off the personal loan today and encountered MULTIPLE problems from the teller all the way to their corporate HQ. From the SENIOR teller not being able to give me a payoff amount but taking what showed as balance to directing me to call a call center then refering me to a personal banker who could not help either which had to call a loan officer to figure out how to get a payoff so I had to pay a XXXX check after being told I paid off the loan snd then when I inquired as to when my savings acct which was the collateral was going to be released so I could remove my $ XXXX from it, I was told it would not be available for 10 business days. The loan was paid off in cash and when I made individual payments that amount was not released but rather they continue to hold the entire amount of the initial loan amount even though the loan was paid down XXXX. There is no reason a bank as big as WF should be allowed to keep me from my money for an additional 10 days AFTER I pay the loan off in cash. They have no more worry or chance of loss with the loan paid but yet they claim it takes 10 days to release the money even with the loan paid. I can understand if the loan was backed with a car or house or something with a title to release etc but this was cash. They pay only .01 % interest so it keeps me from immediately moving my money so they can continue to use it practically free of charge when they now have no legal claim over it. This should be against the law when cash is repaid in cash and not requiring a title be returned or any other paperwork. WF is quick to charge and collect fees from customers for their benefit but when a consumer has paid what is owed to them, they should not be allowed to continue to hold the consumer 's money for ten days which I was told was business days so why do they need to keep cash collateral for basically two calendar weeks?
Consumer complaint received 2015-09-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (TX)

without mailing me notice to let me know I had hostile pills they report me to credit bureau, then after my insure company paying them {$800.00} and I paid {$220.00} ( means I paid off my hostile bill! ), they keep calling me to said they DO NOT receive the insure company 's check, and ask me to pay them another {$800.00}, then a lady in ARC finally figure out they already get the check! BUT this is not the end. I receive a letter from them on XXXX XXXX, it said I still own {$800.00}, I called back ARC, XXXX lady said they do n't receive the insure company 's check! My insurance company told me ARC already cashed the {$800.00} check on XXXX XXXX! 
I ca n't believe after ARC received all the money but they still deny they get the money and want me to pay XXXX.This is a big mistake their employee made and they want me to suffer that!
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY ()

I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I attended XXXX XXXX School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of this existing. So I am stuck in limbo here. I do n't want this to ruin my credit -- I do n't even owe this amount, and on top of it the alleged collection agency has no record of this. 

They have not given me proper notice or an opportunity to request a deferral or forbearance.