davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Due to the options that Transunion allows on their website there is no method to dispute that information is XXXX incorrect. I am not going to spend my hard earned money to mail a registered letter to Transunion that will take 6 months at the least to even get them to put anything into motion. The Federal Government gave the credit report agencies undue power. Therefore, the Federal Government needs to take responsibility in assisting me with my issue. There are address on the report that are not mine and are totally incorrect. There is no way to fix the problem except to move them around on the report-but no manner for requesting them to be deleted.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC (NC)

On XX/XX/XXXX I was having a XXXX. My Sister drove me to XXXX XXXX XXXX XXXX. The nurse came in and she took my information, and then came back to hook me up to an XXXX XXXX. I told her NOT TO because I can not afford it. The nurse laughed, and AGAIN I said DO NOT hook me up to the machine. This is an XXXX XXXX, I have had these before. I just need medication refills, and because I just moved here from XXXX, I do not have a Doctor here yet. The nurse told me she WOULD NOT put the XXXX on my chart, so I do n't have to worry about being charged. ( Not only do I have a witness to this, but I also recorded this appointment on my phone. ) Since this appointment I have been getting " debt collector automated phone calls '' at my parents home. I received a letter in the mail stating that if I wanted to " appeal '' and disagreed I would need to do it in writing. I DID. I also sent that via certified return receipt. ( which I have ) yet the phone calls are STILL continuing. 

I DO NOT OWE this bill, and I am NOT going to pay this bill. 
I paid my {$35.00} co-pay at the time of the visit. I was assured over and over again that the XXXX would NOT be billed, my insurance paid them {$140.00}. XXXX XXXX XXXX XXXX billed a total of {$300.00}. They claim I owe them another {$130.00}. 

PMAB LLC. is a harassing entity with many complaints on the XXXX XXXX site. I have responded in writing to them, and I have even told them my story with XXXX XXXX XXXX XXXX. I HAVE THE NURSE ON TAPE, A WITNESS, and I can identify the nurse who said the XXXX would NOT be billed ( it was routine?? ). 

I am Social Security XXXX, and I have a VERY limited income. This is why I told the nurse NOT TO HOOK ME UP to the machine. 

I ALWAYS pay my bills. But I DO NOT owe this one. 
( XX/XX/XXXX was when I sent my dispute to PMAB. ) I have ALL receipts, I have the Recording, I have all paperwork. 

I want this OFF of my credit report.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (WA)

After several phone calls with XXXX, I got the appropriate amount of debt stated ( {$450.00} ) and was informed that I could make payments until it was paid of. I began making {$50.00} a month payments, after the third month I received a phone call from the debt collector about making the remainder {$300.00} in order to prevent further debt collection action. After calling XXXX, they informed me that I had only three months to pay off the full {$450.00}. I was not aware of this and in none of the multiple phone calls did anyone state that this was the case. Otherwise I would have paid the entire amount prior to the three month mark to avoid a mark on my credit. I have paid off the full amount now ( less that three months after it went into collects ) but now there remains a mark on my credit for a collection agency.
Consumer complaint received 2024-08-27
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 2015-05-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.
Consumer complaint received 2015-05-21
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CO)

I purchased XXXX pre-paid Visa cards at XXXX at XXXX XXXX grocery store for the total of {$1000.00} for my family as gifts each card totaled {$250.00}, i have had numerous calls to Visa who knows the cards were compromised and where, i have had no help from them on this issue!!, I filed an XXXX XXXX dispute for {$250.00} on XXXX of the pre-paid cards and won, leaving a balance of {$750.00} they owe me, they sent me a replacement card with a balance of {$55.00} on it? ( still owe me {$190.00} on that XXXX ) then my sister was able to use hers for {$110.00} until it was compromised and a thief stole the rest of the funds, she was told that she won that dispute but they did not send a replacement card or any way to get the funds back, they owe me {$570.00} plus fax and other expenses thru this process, they expect me to be able to reach an associate at their phone # XXXX ( XXXX ) XXXX never returning my calls ( even though i 've faxed all per tenant information and included all info they request on the answering service ), it has been a total nightmare and their hiding behind the veil of a large corporation that offers NO help or resolution to this issue, i have a paper trail and all receipts pertaining to this transaction and have had NO help, i 've called numerous people and have NO resolution.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my Consumer Reports, I discovered more proof of late payments on an account for which I have always maintained timely payments. Its also been more than 30 days with a previous case open. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, account number : XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these payments. And the correct information with 100 % accuracy across all 3 credit agencies. If unable to furnish such proof of 100 % accuracy across all credit agencies, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Subject : Debt Validation Request Account Number : I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ).

2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt. 

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided. 

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. 

Thank you for your attention to this matter.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NM)

On XXXX XXXX, 2015, I made XXXX purchases through Pay Pal. I have made many purchases using Pay Pal in the past, and have always had my debit card selected as the default payment. The XXXX purchase I made on XXXX XXXX, for {$100.00}, utilized my debit card as the payment method. When I made the XXXX purchase, for {$45.00}, I believed that my debit card was also selected as the payment method. The next day, I received an email informing me that the {$45.00} purchase had actually been designated to open a PayPal credit account. I did NOT select PayPal Credit during this purchase, and I was very confused about why PayPal would set their Credit service as the default payment option without my permission. I called PayPal immediately that day and spoke with customer service to express my frustration that I had effectively been tricked into opening a credit line with them. I asked that I be allowed to pay my balance immediately, and that the credit line be closed. My budget is extremely tight, and I needed to make this important purchase while I still had the funds in my account. I was told by the Supervisor that there was no way to make the payment and close the account immediately because the payment had not posted from the Vendor to my PayPal credit account. They informed me that if I wanted to make the payment immediately, I would need to contact the vendor. The vendor was a professional contact that I was not willing to involve in my financial matters, so I was left with no option but to let the credit line remain open and hope that I would have enough money to pay the balance when it finally posted to the account. I was confused, frustrated, stressed, and upset, and at the time I did not know that I had any recourse. I read on the news last night that many other consumers had experienced the same issue with PayPal, and that the Credit Protection Bureau was fining PayPal for this deceitful credit practice. I immediately decided to submit my complaint as well, in hopes of adding the voice of XXXX more consumer that was tricked into opening a PayPal credit line against my will and without my knowledge. I have attached the PayPal credit statement, which indicates the date of the purchases and the methods of payment used. I will also attach a portion of my bank statement that shows where I paid the balance.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (WA)

On XX/XX/year> I started a transaction in the Wise App, sending XXXX {$5000.00} from my XXXXXXXX XXXX  account to a beneficiary in a XXXX XXXX account. 
On XX/XX/year> the money was taken from my XXXX account and it was expected to be deposited in the beneficiary account in up to 2 work days ( XX/XX/year> ). 
As the money wasn't deposited I have contacted Wise via their chat in the app. 
They said that " XXXX XXXX '' ( their partner in XXXX ) has sent an email to the beneficiary, asking for some information. The beneficiary didn't receive any email from " XXXX XXXX ''. 
I have contacted Wise again, and they said they have " escalated to some team '' and that I should wait for a response. 
I have contacted them again, and they asked the beneficiary bank statement showing that the deposit didn't happen. I have sent to them via app chat. 
In the next day I have contacted wise again, and they said that " XXXX XXXX '' has sent an email to me ( the sender ) on XX/XX/year>. I didn't receive any email from them. 
I asked for a refund, because it became clear that they will not deposit the money in the XXXX  account. 
They said I need " to patiently wait ''. 

I am reaching CFPB with the hope that we can reach a solution as soon as possible.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NY)

I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts. 
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding LLC sent false debt collection information to XXXX XXXX XXXX Attorneys. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the Attorneys office and they are suppose to remove this false claim from my name. What upsets me the most is that Midland Funding LLC assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I am hoping you can help myself and my Husband. 
I was looking on line for assistance with homeowners in distress. Came across your e-mail on line. 
XXXX XXXX Illinois Attorney General Homeowner web site. 
I live in Illinois XXXX county .I have been layed off my job at XXXX.I paid the mortgage. I Called Bank of America for assistance with a modification. Was told to fax same info several times. Lots of miscommunication and frustrating conversations. I have a point of contact XXXX XXXX I was told I did not qualify for any assistance except short sale. I want to keep my home. We raised our children here and love our home. Finally after addition phone calls and basically begging the info was resubmitted to underwriting and came back with a offer of a higher payment and higher interest rate. I appealed which is in appeals now. Appeals said it is up to XXXX to find a program for us and XXXX says it is Appeals. Currently I am current with my mortgage will be behind by the end of the month. I am unemployed on unemployment and my Husband works. he pays living expense 's and loans ect.. Our house is underwater. We owe more than it is worth XXXX XXXX has our mortgage. I was told only help could be if we were several months behind. We are trying to avoid that disaster with a principle reduction. Can you please help or direct me to the right place? What can I do? National Mortgage Settlement, PRA.I was told B.O.A would not do that XXXX. cant do Harp because of 2009 before time line. My B.O.A account number is .... 
Sincerely
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRINITY HOPE ASSOCIATES (NY)

Collection Agency has reported invalid debt to credit bureaus. 
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

I have a private loan through Sallie Mae. They have been misleading about the status of my loan, have marked me delinquent despite never mailing me at my proper address, they list correspondence on their site as having been mailed to me that I actually never received, and they have refused to change my contact information after numerous requests. The representatives apparently do not keep notes on my account ; I provided one with my checking account information in order to have payments deducted automatically, and despite the fact that XXXX payment was successfully deducted, the next month they claimed they could n't withdraw from the exact same checking account because it " did n't exist ''. They never notified me of this ; I had to contact them and ask them why the payment had n't been deducted. After making sure they had the correct account number, I was told by the representative that payments would resume the next month and I did n't need to worry. About a XXXX later ( in the same month ), I received a phone call informing me I was delinquent and payment needed to be remitted immediately. This level of disorganization and negligence is unacceptable. It has adversely impacted my credit report due to their reporting me as XXXX days past due, despite my never having received notice. They refused to provide loan deferment options, yet are making it difficult for me to pay. They will also not mail me information on my loan balance, as I have repeatedly requested.