davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (AZ)

This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX failure to provide requested information for the debt alleged. XXXX XXXX XXXX XXXX has been reporting on Consumers credit report and attempting to collect for a debt that the consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ;  b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
XXXX XXXX XXXX XXXX responded on XX/XX/18 with a request for a medical authorization. This was provided on XX/XX/18, again with a request for the above information. It has been almost three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (WA)

I called US Bank, for my XXXX mastercard, to try and get a credit line increase on XX/XX/XXXX ( to raise my credit score - as im soon to be refinancing my house ). They stated there may be a hard inquiry on my credit score, to which I responded " I do not authorize that '', and which the customer service representative replied " ok ''. 3 days later ( on XX/XX/XXXX ), a hard inquiry showed up on my report. I called to ask them to remove it, as I did not authorize it, and they claimed I did the request online, and that I did authorize it, even though the conversation was recorded. I explicitly said that I did not authorize it. I would like this hard inquiry removed please.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I'm in the process of obtaining a mortgage loan and three different companies have told me they get error reports from Equifax which has avoided me being able to move forward on the home purchase process. My home is ready and yet I can't move forward with a loan because Equifax states that there's nothing wrong with my report but no one, including myself have been able to access my report and score. I truly need help on this matter. I have been speaking to them on a daily basis since XX/XX/XXXX with no success.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I applied for a Capital One credit card online through a XXXX XXXX link. The site indicated a 7-10 day time-frame for a decision. On Wednesday, XX/XX/XXXX, Capital One contacted my son regarding my card application. My son nor his cell phone number were in NO WAY included on my application. My son does not live at my address. They called my son 's phone number to confirm that I had applied for the card. This is a clear invasion on my privacy. 

Before I knew about the call to my son, they called me and asked to me disclose personal information including last four of my SSN over the phone. I do not give out my personal information over the phone. I told them to cancel the application. 

After the call to my son, I called back the number that had called me XXXX. I was told that they the obtain information for various sources and that I was somehow connected to his number. That still did not give them the right to discuss my application with someone else. His number is under my husband 's plan, not mine, so they had to also obtain information on my husband to get my son 's personal cell phone information. We are a private family, and prefer to keep our financial matters private. 

Not sure if this conduct is legal, but definitely not ethical. I will not attempt business with this company in the future, and have a new card with another company.
Consumer complaint received 2018-04-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (FL)

XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. 
Capital Accounts collection agency for XXXX XXXX XXXX XXXX. 
Patient responsibility was paid at time of visit.
Consumer complaint received 2018-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX erroneous reported me as XXXX late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with XXXX and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
Consumer complaint received 2018-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CO)

I took out a {$1000.00} pay day loan which was received on time, However after I reviewed the documents for the repayment of the loan, I saw they were charging me 790 % interest. the total pay back amount is {$4100.00}! I should have looked better, that is my fault, but I thought there were laws that pay day loan companies only could charge you so much interest. I would not have agreed to this if I would have known.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I am writing to you today because I am in danger of losing my home, and I dont feel that my loan servicer, Specialized Loan Servicing ( SLS ), is ethically evaluating my applications for mortgage assistance. I have had multiple hardships the past few years, but I am now in a better financial position and can afford a reasonable mortgage payment. 

When my application was denied, we called SLS asking for details ; we were told to file an appeal to get these answers, so thats what we did ( a copy of that appeal is attached ). Our appeal was denied and we were given incomplete answers at best ( their denial letter is also attached ). Their rationale for the incomplete answers was basically that the new modified payment they are trying to derive must at least equal if not be less than my current monthly payment, and since my current interest rate from a previous HAMP modification is 2 % and they can not go lower than that, they can not derive a lower payment. 

However, my current interest rate is not 2 %. That modification from XXXX was a step-rate modification in which my interest rate was 2 % for only the first five years and increased every year after that until it capped out in XX/XX/XXXXat 4.375 %. Since my most recent default occurred when the interest rate was still 2 %, SLS system shows that as my interest rate and obviously nobody at SLS is doing any research to realize that I am being charged 4.375 % interest when they calculate my arrears every month. I feel it is at least unethical and incompetent, if not FRAUDULENT, to deny my application using an interest rate at 2 % but then charge my account at 4.375 %. 

After the denial of my appeal, we called to question this tactic. We spoke to a supervisor in their Loss Mitigation Department named XXXX who assured us that she would research this and call back.she never called back, and when we tried to chase her down our call eventually got escalated to another department ( Management ),  who assured that they would call back in 24-48 hours. Of course, that also did not happen. Finally we spoke at length with SLS Executive Services Department. We eventually were transferred to a supervisor named XXXX ( # XXXX ). She did not make any effort to answer our questions, but instead insisted that right or wrong the decision would not be changed and advised that we should focus on liquidation options instead of trying to save our home. 

So, in summary, I believe SLS improperly and fraudulently evaluated my application for mortgage assistance and then through horrific customer service refused to answer questions as to how they came to the conclusions that they put in their denial letter.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC. (OH)

I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I  tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.
Consumer complaint received 2018-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (FL)

On XX/XX/XXXX hurricane Micheal affected my area, I live in XXXX XXXX, fl, I was without phone service and internet. Once phone service was restored I attempted to reach out to XXXX XXXX to ask if there was any way they could offer assistance since I was also out of work for over a month. I attempted to call and email and never heard a response. They reported my late payment and charged me late fees. I still have very limited internet access and I still have not heard from them except to receive my next monthly statement.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I have a Citi Bank credit card that I have used for many years that i currently have a balance of around {$6000.00}. Recently I noticed something didn't seem right with my statement. For the last 10-12 months I have been making double the normal payment ( {$200.00} a month payment ) to try and pay down more principle. To my shock I recently realized my principle over that last year of payments has not gone down at all. At that point I called Citi and the customer service representative told me that I was being charged {$68.00} a month for the " Account Care '' program. I NEVER signed up for this " Account Care '' program and when I asked the customer service rep " how long have i been being charged this fee '' I was told " They can't tell me because ONLY " Account Care '' help desk can give me that information.

I was frustrated with the lack of transparency and honesty from the Citi customer service desk so I filed a complaint with the XXXX who contacted Citi. As a result the ONLY thing Citi did was to INCREASE the amount of collection calls I receive for the outstanding monthly payment. I informed the collection caller that I was not going to make another payment until someone addressed the current fee issue and informed me as to HOW LONG THIS FEE HAS BEEN CHARGED WITHOUT MY KNOWLEDGE. Apparently NOBODY at Citi has this information, they ONLY know how much I owe them.

Here is the best part. Earlier this week I finally got a call from " Account Care '' and I was told the following : They ( Account Care ) CAN NOT address my billing issue. That has to be done by CITI.

They CAN NOT stop the collection calls.

They CAN NOT address how my credit is being affected.

They CAN NOT show me where I " agreed '' to join this program.

They DID inform me that this " Account Care '' fee has been being deducted from my monthly payment since 2009. For almost 10 YEARS now I have been being charged this fee without my knowledge. That is THOUSANDS of dollars over that time.

Please help me! I don ; t know what else to do. I make my payments monthly, on time and I have been an honest customer. How can I get some relief from a dishonest XXXX Dollar company charging me fees I never agreed to pay? NOBODY SEEMS TO CARE ABOUT A GUY JUST TRYING TO SUPPORT HIS FAMILY. Should I consult an attorney?
Consumer complaint received 2018-04-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ORG GC GP BUYER, LLC (IN)

Starting XX/XX/2018, this company has started harrassing me at work. They are calling my employer phone number and could possibly cause me to lose my job! I called and told her to remove my name and stop the work calls IMMEDIATELY! She told me she would do that. 

XXXX XXXX is the company. 
Agent identified herself as XXXX XXXX ( sp? ) phone number XXXX She stated this is regarding my department of education student loans. I am currently in a deferment period with them.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (IL)

In XX/XX/XXXX through no fault of the " Mortgage Solution '' we received a notice from the mortgage Co, that our escrow was short. Unfortunately our city property taxes, went up from XXXX to XXXX. So I went to my city to figure out what was going on. I was informed that I had not filed my exemptions in 3 years and was getting money back for all three years. 

My problem is that after I went to XXXX Courthouse, on the check back for 2017, they told me to send the 'overpayment ' amount to the mortgage co , and they would then adjust my amount due. I did that on XX/XX/XXXX. On XX/XX/XXXX, my mortgage was still over XXXX. So I called them and was told, that the county letter of 'overpayment ' was not enough from them. They would need direct info from XXXX. Then in XX/XX/XXXX I sent in XXXX to mortgage co. towards my tax escrow. They told me, because of the shortage that would not be enough to go down on my mortgage. Everytime I talk to someone there, I'm getting another lie. We can not afford to keep paying this amount, and since XX/XX/XXXX, they've locked me out of my online acct. Why!!!!! We've not been late.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Equitable Acceptance Corp (UT)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/XXXX- XX/XX/XXXX and I have NEVER been late. XXXX acceptance made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

you said that you need moor information on cassXXXX I called the number you put down to call I did and the man said ok that will be fin then hung up the number was XXXX if there is any thing moor all I can say is that chase said to stop paying them then would not work with us and XXXX XXXX XXXX  WONTED MOOR MONEY THEN WE COULD PAY and they would not work with us you can send them all the complaint 's you wont and all they will do is lie about it just like they have ben doing all a long
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/XXXX Experian has Inquires in which I put in an opt out 2 years ago in XX/XX/XXXXand XX/XX/XXXX and Experian still has companies doing Inquires that was shared and I did not consent and opt out for all promotional and inquires. I have inquires on my file that show and I want them removed. 

1 XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 XXXX XXXX XXXX XXXX XXXX 3 XXXX   XXXX XX/XX/XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 5 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6 XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8 XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9 XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9 XXXX/XXXX XXXX XXXX 2 SHOWING 10 TOTAL CARD 11 XXXX 12 XXXX XXXX 13 XXXX XXXX 14 XXXX 15 XXXX XXXX XXXX XXXX 16 XXXX XXXX  XXXX XXXX 17 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX/XXXX/XXXX 22 XXXX  XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX XXXX 25 XXXX/XXXX XXXX 26 XXXX/XXXX   XXXX 27 XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 28 XXXX/XXXX  THERE SHOULD BE NO INQUIRES ON MY CREDIT FOR PROMOTIONAL OR ADVERTISING BEEN GOING TI MY CREDIT FILE WITH OUT MY CONSENT OR EXPERIAN JUST LETTING ME NO BEFPORE MAILING ME GETTING MY APPROVAL OR CONSENT Experian has a lot of marketing going on my credit file I did not request or apply for. 
XXXX
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NC)

PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX   and XXXX  credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX  and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX  and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late.