davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian responded that on XXXX/XXXX/13 the issue was addressed. It in fact was not. I have disputing this item again with both Experian and XXXX XXXX XXXX for years and neither party has been able to validate this debt showing me anything that tis so called debt belongs to me. I have asked for any contract I signed, any written correspondence any both parties are unable to produce anything. Experain is just electronically asking XXXX XXXX XXXX if the debt is valid without producing any proof. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to USC 1692g Sec.809 ( b ) of the FDCPA. The creditor must provide in a timely manner any of the following : 1. Agreement that bears my signature of all alleged debtor wherein he/she has agreed to pay the creditor. 

The law is very clear under FCRA sections 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), Section 611 ( 5 ) ( A ) and Section 611 ( a ) ( 7 ) which all fall under the clause of verification and validation of a debt. If the creditor or credit reporting agency ( Experian ) can not produce proof tat the item MUST be promptly deleted. 

Both Experian and XXXX XXXX XXXX are in violation of the FDCPA and FCRA and will be held liable for damages of reporting negative information. The law is very clear clear as cCivil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NATIONWIDE ACCEPTANCE LLC (IA)

My finance compny calls, e from multiple numbers at least 8 times per day. I have told them my situation and they threaten that the calls will not stop. I am only 30 days behind. They are rude and crass. They threaten me constantly with legal action after I tell them I do not have any money to make the payment. I then get several more calls on the same day even when I tell them when I will have a payment.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

I have contacted AES on numerous occasions to discuss my large monthly private school loan in an attempt to reduce the monthly payments. My monthly payment is XXXX and I can not afford this therefore I am late on the payment. Each time I contact them, I am told that there is nothing they can do for me except 3 months at a lower rate of XXXX but with a XXXX upfront payment which I do not have. I have been struggling with this payment and company for 6 years and they will not assist in any way. Because this is a private student loan they do not offer income based programs or any type of reduced payments. If I was a public assistance recipient I would not have this issue which I think is prejudice towards me. If I had known how this company deals with their customers I would have never went to college and obtained a XXXX XXXX. I would have been better off working at a local XXXX. I am very upset and discouraged with our education system and their unwillingness to help. my husband and I both work full time and have not been able to even purchase a home. My payment far exceeds what a mortgage would be. Again it is either pay this large monthly loan payment or do n't eat! there is no way around it. I have cosigners on these loans one of which is my grandfather who is XXXX XXXX XXXX, on a very tight monthly budget and AES constantly harasses him for the payment. I have requested cosigner releases many times but denied. I have other loans with ACS and I contacted them and they were able to reduce my payment plus wipe out the past due and start new in XXXX. I was on the phone with them a total of 10 minutes and it was complete. I was on the phone with AES for over an hour with no results or assistance. If XXXX can help why cant AES. I 'm not sure what can be done but I will continue to pursue this issue and contact my local representatives or whomever to resolve this. 
attended XXXX/ XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to urgently address the disputed accounts on my credit report. Despite multiple requests for investigation into the inaccuracies of these accounts, I have yet to receive any resolution or corrective action. These erroneous entries are severely damaging my credit file and significantly impacting my daily life. 

The ongoing issues with these inaccuracies have caused substantial hardship, and I must now request your immediate assistance in resolving this matter. I urge you to conduct a thorough investigation of each disputed account and take prompt action to update and correct my credit report. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial situation. I sincerely ask for your swift attention to this issue and appreciate your cooperation in resolving it as soon as possible. 

Thank you for your understanding and prompt assistance.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TN)

I have XXXX bank accounts with Chase bank -- XXXX checking account and XXXX savings accounts. I recently got married ( in XXXX 2016 ) and called Chase to see what I could do in order to change my name on my bank accounts to my new married name. The instruction I received from customer service was to go into a branch and present my name change documents. The problem is that I live in Tennessee and there are no Chase branches in the state. I asked for the alternative process and was told that I could receive a signature card and letter in the mail ; I would need to sign the signature card and provide the copies of my name change documents through the mail. This sounded reasonable, as it was the same procedure as visiting the branch, just through the mail. The next day, I received a phone call from a supervisor who told me that the letter would not be able to be sent to me until the Research Department approved it. It has been nearly a month and the Research Department still has n't addressed my request. Every time I contact the bank via online message or by calling, I am told there is nothing they can do to help me. I was told that one of the hang ups was the fact that my son is joint with me on one of the savings accounts and he would have to provide an ID in order for the Research Department to consider allowing me to submit my name change documents. He is a minor and does not have an ID. The bank did not require him to have an ID when we opened the account -- that is why I am on the account with him. I do not understand why his ID ( or the approval of a minor ) would have anything to do with me being able to change my name because I got married. Coincidentally, I called customer service today -- because I got the message from online banking that they could n't help me and referred me there -- and closed the account on which I am joint with my son. I closed the account OVER THE PHONE, without any approval or correspondence from him! That makes absolutely no sense! 

My issue is that my bank accounts have my maiden name. My legal identification has my married name. I tried to use my bank card at a merchant and was asked to present identification to validate my authority to use the card. The identification I presented did not have the same name as the bank card. I was accused of potential fraud for using another person 's card -- but, it was my own! All I want to do is change my name on my bank accounts and the bank will not allow me to submit any documentation to do so. The closest branch to me is XXXX miles, one way. That seems egregious to request that I drive nearly XXXX miles round trip -- just to change my name on my accounts! 

Please help me with this.
Consumer complaint received 2016-12-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (TX)

A brief history. I am a victim of mortgage fraud and still in federal court because I found fraud on the court. This fraud on the court allowed me to stay in the XXXX XXXX. But as ProSe I made some mistakes. Now XXXX years later I am back at the Supreme Court and need your help. Attached to this email is a letter from Supreme Court telling me my appeal must be properly brought before the court dated XX/XX/2016. Also attached a timely filed brief by me that was restricted from the public with proof of XXXX on the XXXX and Certified Mail XXXX XXXX and lower court certified docket sheet. Also I never signed for any type of home improvement, cash advance or to pay taxes. It was suppose to be a simple refinance for {$59000.00} If you could give me the contact information again by phone or email a great service is done. 
Thanking you in advance. You can call or email me anytime. This is to important and time sensitive. 

XXXX XXXX XXXX
Consumer complaint received 2016-11-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES (FL)

I have received several calls and letters from the debt collection company Great Lakes. They have failed to state who the original creditor is but insists that I will be subject to wage garnishment. I received a letter from them stating that if I do not set up a payment plan with them then wage garnishment will happen by XXXX XXXX, 2016 The letter they sent says the amount owed but it does not state the reason or the company it came from. Great lakes is not listed on my credit report so I do n't why they are bothering me.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a TD Bank representative to discuss my complaint and that ssme TD Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my TD Bank checking account due to me not having access to a TD Bank ATM because the TD Bank branch door would n't open when I inserted my TD Bank Debit Card. I never heard back from that TD Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other TD Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another TD Bank ATM to become available so once again because of a situation that was totally out of my control and totally also TD Bank 's fault that I 'm once again receiving several more unfair overdraft fees from TD Bank.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NJ)

I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

For upwards of the tenth time in the last two years, I have made a monthly payment on my Bank of America credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX Equifax, and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
Consumer complaint received 2016-07-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Consumer complaint received 2016-07-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (WA)

To whom this may concern, I 'm writing to seek some assistants in regards to a property that I 've tried for several months since XX/XX/XXXX to complete a short sale on a home. The lender has not called us back or followed up with us. The person assigned mentioned last time we spoke with was over a month ago said that she was going to review the documents and offer, if she was missing anything she was going to call us and let us know, we never heard back. So we called and called with no call back. Once we got her on the phone she did n't remember the conversation and once again told us that she would review the documents and offer and submit it over to the investor for approval, we still have n't heard back. We 've called left at least 3 messages a week on her voice mail with no return call back. They have linked my office phone to only go to her extension so I ca n't talk to anyone else. Now they have set another foreclosure sale date set for XXXX XXXX. They are not reviewing the file or the short sale of the home and will not advise us as to why or follow up with our numerous attempts. Please help us in away possible as we have had this offer with them since XXXX XXXX 2015. This seller has filed bankruptcy and the lender has tried 3 times to take the seller to court to foreclosure on the property but everytime it 's thrown out because this property has a bad deed. In XX/XX/XXXX we 've also submitted in a value dispute with no response back in regards to that either.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I visited XXXX XXXX XXXX in XXXX, GA in XXXX of XXXX. I updated my Medical Insurance information on the computer and returned it to the receptionist. She did not enter the new insurance company and so my information went to XXXX XXXX XXXX XXXX instead of XXXX. This is when problems began. I then in XXXX received a bill for {$930.00} for lab work. I immediately called the billing department and spoke with XXXX who seemed knowledgeable. I told her I was not paying on this bill until I got a proper bill from them. She agreed and said she would note. Then after that at I received a bill and starting paying on it. It took about 3 months before they rebilled me. I made payments and have records of every single bill I paid. I missed maybe two payments because of a death in my family and the fact that they did not always send me a monthly bill. I had unexpected bills from the funeral. So I made a payment on XXXX XXXX over the phone with the billing department for {$50.00}. I asked the lady if I could pay it in full and get them to reduce the bill. She said let me check, after about a 5 minute hold she returned saying yes but it would be {$590.00} to pay if off. That was {$120.00} more than the actual bill. I said well I will continue to pay the {$50.00} a month. The next week I get a bill from LCA collection agency. I called XXXX and asked why the lady in billing did n't say anything to me on XXXX XXXX, XXXX when making the payment. No answer. Just simply stated that was nothing they could do. I beg for some compassion and mercy. My house had been hit by Hurricane XXXX and is not live able and still after a 109 days I am still not back in my house. I would like to know why they charge interest on a medical bill. No other Dr. that I see does that not even the hospitals in this area. Also, they claimed they sent out a bill stating I was going to be turned over to a collection agency and I told them I never did. It then took them 12 days to send me XXXX. I have gone to their website and read there reviews and I am not the only XXXX. I simply needed a little kindness. I guess that does n't exist in this world anymore. Please help in anyway possible and if you ca n't help me at least make sure this does n't happen to anyone else who sees XXXX of these Doctors at XXXX in XXXX, GA
Consumer complaint received 2017-01-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Ad Astra Recovery Services Inc (TX)

A debt has been sold, original creditor is not on my report and I can not get in contact about the inaccurate information. 
However I was called several times in the last 6 months with someone pretending to be from the XXXX XXXX XXXX 's office threatening to have me arrested at my place of employment over these XXXX negatives that appear on my credit report. I also received some emails about this debt stating that I am currently in court for this but I was never served by any courthouse.