davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CO)

My Discover card, # XXXX, exp XX/XX/XXXX, was issued with a micro chip to replace my prior card. In that process Discover either erased or did not transfer my information from the prior card XX/XX/2016. Then I received my bill for that month of {$14.00} -- the entire balance of the account. I called in by phone and paid the account with the bank information on file with them for at least the last five years and received confirmation for the payment. The next month I received a bill again for {$14.00} but I did not contest it because I thought the payment had just not yet been posted. XX/XX/XXXX when the bill came it was on the bill again, a charge for {$14.00}, and I called to find out whether there was some error, some recurring charge I did not approve, so I talked to a representative by phone and paid the bill again! I clearly stated that this seemed to be the same bill as the month before, no research was done by the rep and payment was applied again. XX/XX/XXXX when I received the bill again for the third time I asked if it could be researched as I had not charged anything on that account since XX/XX/XXXX. The rep came back and said that when the card was replaced my bank account on file had been deleted so it was showing as an unpaid balance! I told her that the rep XX/XX/XXXX or at least XX/XX/XXXX should have told me this and there better not be a ding on my credit. I gave her my updated bank information, the {$14.00} was debited against the account and then I was dinged -- this was put in my credit file with all three credit bureaus bringing my credit score down over XXXX points! There is an audit trail of these events, I wrote Discover and asked them to remove this as it was their error that they removed my banking information and they did nothing. I am tempted to get a lawyer on this because this should be removed from my credit file by Discover.
Consumer complaint received 2016-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (OH)

I keep getting calls from Halsted from about XXXX different numbers. I answer and that ask for me and I say yes and they ask for my social and I refuse to give it to them and they hang up. I have no outstanding debts of any kind and I am sure of it. They call me about three times a day over the last three days. They are harassing me without any reason whatsoever. They do not leave messages and hang up on me.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Collection Service Inc. (CO)

I had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.
Consumer complaint received 2016-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX 2015, I went to a Wells Fargo branch in XXXX, NJ to inquire about opening an HSA account and specifically about the fees associated with such an account. The bank representative with whom I spoke told me that so long as I maintained a minimum of {$5000.00} combined in both my checking account and HSA account with Wells Fargo, I would not incur any fees. Therefore, I decided to open my HSA account with Wells Fargo. Months later, when looking at my HSA statement, I realized that I was being charged a monthly service fee of {$3.00} per month, despite the fact that I maintained an amount greater than {$5000.00} in my checking account and HSA account. 

I contacted Wells Fargo by phone and they simply told me that the information given to me by the representative was wrong and there is nothing I could do about it. I went to speak with the same representative in person and he said again that he was correct and that I should not be charged any fees and that he will look into it. When I followed up with him on the phone, he said he was still looking into it, but I have never been able to receive an answer.
Consumer complaint received 2017-02-04
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MA)

Hello. I contacted you about an abandoned property owned by Wells Fargo. Not only have my questions gone unanswered, they have refused to let me speak to a supervisor. I want to speak to a person who can make decisions and supervises account executives so I can get real answers. I feel discriminated against because I am being given vague information, if any at all. I want Wells Fargo to treat me like a human being, not an automated teller machine. I need to speak to someone who supervises the process of even their supervisor, if necessary. This is a public company and I want an answer to my question about the property in question without some type of a run around. Thank You.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (NV)

Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information. 

Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I received an alert on my XXXX credit report that a collection was added on XXXX XXXX, 2017. The  company is Midwest Recovery System and the amount is {$430.00}. I have never heard of this company have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit report immediately and be given the opportunity to dispute this alleged debt.
Consumer complaint received 2017-10-23
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (SC)

Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2016-05-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MiraMed Revenue Group LLC (IL)

To whom it may concern : In a recent evaluation of my credit on XXXX/XXXX/XXXX, it has come to my attention that XXXX XXXX XXXX XXXX negative reports were filed on my report. According to the reports I have reviewed, the reports were filed in XXXX by a " XXXX '' on behalf of " XXXX XXXX XXXX '' and a collection agency " MIRAMED REVENUE GROUP '' on behalf of a " XXXX ''. In further research of the alleged collections, XXXX XXXX has numerous complaints of other false collections under investigation. Miramed Revenue Group appears to have mistakenly filed the same collection twice which has further damaged my credit unnecessarily and also reported inconsistent reports with different agencies bringing their entire credibility as an accurate reporting entity into question. 
Finally, it is my assertion that XXXX agencies ( and therefore all the negative reports ) are completely fabricated, fraudulent, or otherwise false. Whatever the case may be, rest assured that I in no way agreed to or had knowledge of either Miramed Revenue Group OR XXXX XXXX XXXX, XXXX or XXXX. 
These collections were all filed without my knowledge and devoid of any warning from any of the above entities. I have, by certified mail, notified Each of the above collection agencies, all XXXX credit, submitted an official complaint with the Consumer Financial Protection Bureau in hopes of immediate resolve. I am also notifying the office of XXXX XXXX, the United States Treasurer and the Illinois XXXX in hopes of further oversight in debt collection practices. 
I am not alone in what appears to be a growing list of victims in my community and in across the country and I demand these records be completely removed so I can benefit from the advantages I deserve as someone who made the decision to never utilize their credit at all. I am simply attempting to start the process to own my own home and these, false reports stand in my way of that human need. 
I am looking forward to your response!
Consumer complaint received 2017-03-06
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Auto Trakk, LLC (SC)

I DISPUTE THIS ACCOUNT WITH ALL XXXX CREDIT BUREAUS. THIS CREDITOR REPORTED IT AS ACCURATE AND STILL REMAINS ON MY CREDIT REPORT. I ASK FOR VALIDATION AND TO THIS DATE HAVE NOT RECEIVED ANYTHING. ACCORDING TO SC LAW UCC-5 AND STATE RISA AND MVISA STATUES A DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN AND ALL OF THE ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERE. 
I ALSO ASK IF THEY WAS LICENSE TO REPO. THEY DID NOT FILE A POLICE REPORT AS WELL. 
I NEED THIS ACCOUNT DELETED FROM ALL XXXX CREDIT BUREAUS ASAP!!! IF NOT I WILL SUE $ 1000/VIOLATION!!!
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MD)

I enrolled with XXXX XXXX ( XXXX ) University, XXXX, XXXX campus. XXXX 2015. I am getting collection letters and calls after I withdrew from their campu in a timely manner. I tried to reach out to the advisor who did the enrollment and explained to her when I started getting emails from class information about attending classes on campus. I explained to her my classes was to be online due to my working schedule and travel from my job. First I applied for interest in a XXXX campus which was on my way home from my job. This campus went in and stole my information due to they saw my address and called me in to see their campus. I did only because I thought well I do live near by I can take the classes online. Well I went and there was a storm in our area but I wanted to keep my word. I was rushed given a bag of campus goodies, decals, pens, pencals, mouse pads etc. took a ID and parking pass. entrance exam etc. This was for a fall classes section. However after getting emails that the classes would take place on campus I reached out to the advisor and explained I would need to withdraw I could n't attend and also that I could n't get the financial aid through my employer at the time. So my emails and calls went unreturned by the advisor who did the enrollment. Then I got a call from her boss and was told I need to speak with financial aid office I then realized they wanted to make sure I did n't owe them money. I started to see their scam and thought to myself how could I this man told me I owed this school {$560.00} yes this amount and after I told him I was n't paying this amount and I would need a itemzed bill a break down for what this is for. I explained I never took a class, bought any books, anything nothing. So than after a few weeks, month went by and I got a call from a headquarter 's office in XXXX and explained all of this again to a gentelman who told me to go over to the campus and tell them what happen and I said, no. That my emails, should be enough, my phone calls and letters to the financial aid office should be enough. I explained to him that I did the same with XXXX and when I got a letter that from the federal student aid office my student loan was in default and I was not going to be getting a default clearance letter to attend their school I had to withdraw they were understanding. I did n't get a bill for {$400.00} or {$300.00} dollars. This is crazy for a bag of goodies which I can give them back really I do n't need to pay them for a bag of pens. Thank you for your help in this matter.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Dealer Services continues to contact my family despite having been asked not to do so multiple times. This week, they contacted both of my sisters. They identified themselves as Wells Fargo and asked for a phone number to reach me. They have my phone number and my payment is not 30 days past due. 

In the past, when I have called representatives from the company have been also been incredibly rude and uncooperative. They also at one point billed me for insurance. Had I not noticed and complained, I would have ended up paying over {$1000.00} throughout the year. 

I regret having secured an auto loan with this company and will refinance as soon as I can with my local credit union.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION (CO)

*I was a XXXX XXXX under my company ( XXXX ) when got in agreement with another XXXX ( XXXX XXXX ) to buy from him XXXX trucks ( XXXX XXXX XXXX & XXXX XXXX XXXX ). 
* I contacted " XXXX XXXX XXXX '' for financing as they called me before offering equipment financing. 
* After setting the price at XXXX for both trucks I received an offer On XXXX/XXXX/XXXX from XXXX to do such financing. ( see attached ) * For some reason XXXX used another company called " Financial Pacific Leasing to close and start the relationship. 
* After paying XXXX as at front fees and the last payment of XXXX the deal was closed and I received those trucks and XXXX XXXX was paid XXXX. I started making monthly payments of XXXX from that day. 
*On XXXX of XXXX I was notified by XXXX that my contract was terminated and not willing to renew, and I contacted Financial Pacific Leasing to know my balance on the account because they never disclose that on the monthly statements ( see attached ) and they told me the balance was so much higher of the original amount financed and said my only option was keep making monthly payments or to pay the sum of all monthly installments in XXXX single unrealistic payment. 
* Even with that response I 've been paying XXXX a month not using those trucks until XXXX. 
* On XXXX I called Financial Pacific to inform them I was having difficulties to afford the payment and asked to do something with my balance because by that day I had paid XXXX and I was told that the remaining balance was close to XXXX and the only option was paid the whole amount, this is totally unfair and deceptive. 
* After many aggressive calls from pacific leasing on XXXX/XXXX/XXXX they send me an addendum setting a new monthly payment of XXXX for the next XXXX months and I told them I was n't able to afford it because I do n't have a contract or use for those trucks ; even that I told the representative might try and when I returned that addendum they said it was to late and I 've to pay the entire amount of XXXX. ( see attached ). 
* On XXXX XXXX I received by mail a very intimidating letter from " XXXX XXXX '' Attorneys at law requiring the payment of XXXX plus late and attorney fees making me and XXXX XXXX personally responsible instead of my company XXXX. ( see attached document ) * After all efforts to honor that contract I 'm still owing more that the original loan amount with no escape of paying with their tough terms, please help.
Consumer complaint received 2016-10-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have had issues with Carrington, mortgage ever since my loan was sold to them from XXXX XXXX XXXX. I was never late, upon my husbands illness we decided to do a short sale on the home. We began the paper work in XXXX 2016. Since we are self employed, we sent all the information they requested including an offer on the home. They have continued to request the same documents, ask for things they never requested, ie. signatures on the profit and loss form and so much more. the claim is that hud or FHA is the hold up due to a waterfall process. The home is about to go into foreclosure when it should n't have to with a buyer all lined up. I am at my wits end with this company and will never purchase a home again! I have already made arrangements to move, and the first and second mortgages are about to be four months past due because they are dragging their feet at Carrington.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist took over mortgage in XXXX, that's what i was told be representee, before that i would get letters from XXXX saying they are reducing payment because of these addition payment towards principal, i have continued the same with Truist, since XXXX i have received any letter stating that my payment is going down, I requested an audit of account to see where addition payments were going, they told me that they don't provide that, i called twice and asked for supervisor, NOT AVAILBLE is what they said, something fishy is going here, please help. 

XXXX veteran XXXX XXXX
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

Attn : XXXX XXXX : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again
Consumer complaint received 2016-05-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Unfair negative credit reporting. I initiated a 39-month lease on an Infinity JX 35 XX/XX/XXXX, financed by NMAC. I managed the payments on with an automated withdrawal from my checking account. This led to a perfect payment history with NMAC. All of my payment communications were via email. After lease end XX/XX/XXXX, I only became aware of a balance due of {$410.00} when I noted a negative report on my credit. I found out that this was a disposition fee. I was told that statements were sent to me via mail. They were sent to an old address. I inquired why I had not received any communication via email or phone, and was told that that " is not what we do ''. I understand that the Fair Credit Reporting Act requires notification of an overdue debt before a negative report is established. From my standpoint, inadequate effort was made to contact me. If all of my communication was via email for billing, my expectation was for that to continue. I also know that I checked my online account a few weeks after turning the car in, just to make sure I was n't inappropriately charged for anything. I did not see a balance due at that time.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX told me they would take no futher action as long as I did not fall more that 2 months behind on my mortgage. Six days before my monthly payment was due they informed me at my mortgage was given to SLS and they were demanding that I pay 3 payments in 6 days or they were going to put me in default. When I called SLS they told me that they could demand all 3 payments it they wanted to. A couple days later SLS called me again saying to send in one payment by certified check, which I did. A couple weeks later they sent the check back and told me they were going to forclose on my home.