davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I had an auto title loan with XXXX XXXX that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to Experian and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Computer Credit, Inc. (NY)

My Name is XXXX XXXX XXXX, In XX/XX/2017 our son got into the emergency room at XXXX XXXX ( XXXX : XXXX ). Our health insurance carrier at the time was XXXX XXXX. While the above hospital was out of network we were covered for emergency room visits. 
XXXX XXXX is refusing to partiality pay the bills and now we are receiving collection bills. 
We called XXXX hospital and were told not to worry since we are not responsible ( we have notes of dates, times and names of the people we spoke too ). We appealed through XXXX XXXX and followed all of the possible avenues. 

Attached is the collection bill, copy of our previous insurance and some of the previous bills. 
We can be reached at XXXX for further clarification. 
Thank you so much. 

Yours, XXXX XXXX
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I spoke with a loan salesman to try and refi my home. they failed to let me that because I had move my home into trust ownership I would not be able to refi. the started the loan underwriting had me pay for an appraisal and deliver all of my information. after all of this was done they stop returning my calls for 4 days before telling me they this information. I had let them know I had an issue with the quick deed and it was not completed. both the loan producer and title company they work with told me to complete the transfer, only to tell me that the transfer would make it so I can not do a refi. They omitted information that would have same me {$550.00} and about 10 hours of time, and then delayed telling me for 4 days
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

You've paid off -28 % of your collection amount. 
Balance {$1500.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer  disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - {$150.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off -27 % of your collection amount. 
Balance {$150.00} Highest Balance {$120.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My fianc and I financed a car thru at called XXXX in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (FL)

medical data sy XXXX Debt was so to this collection agency by the XXXX XXXX XXXX XXXX in XXXX, Florida. This hospital was recently named the most overpriced hospital in the nation by one national study. They charged tens of thousands of dollars for a minor procedure that costs only a couple of hundred dollars. My insurance paid the fair amount ; I refused to pay any more. We filed bankruptcy prior to this occurrence, but this debt was also supposed to be included as it was within a certain time limit. For three years, they have been hassling me. Please help make it stop.
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Acceptance Solutions Group, INC (TX)

I received a voicemail on my work phone from a XXXX XXXX stating she was from XXXX XXXX XXXX XXXX calling to collect a debt and that there was a "legal document" that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email (which said that if they didn't receive a response in 30 days, they would consider the debt valid). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this "legal letter" was going to be delivered to my place of work. I told her (per the letter I was sent) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account (she lied and said it was and that is how they got the number). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayside Capital Services, LLC (TX)

I received a voicemail on my work phone from a XXXX XXXX stating she was from Bayside Capital Services LLC calling to collect a debt and that there was a " legal document '' that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email ( which said that if they didn't receive a response in 30 days, they would consider the debt valid ). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this " legal letter '' was going to be delivered to my place of work. I told her ( per the letter I was sent ) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account ( she lied and said it was and that is how they got the number ). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? 
The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before XX/XX/XXXX.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

To Whom It May Concern : American Express has deliberately reported false tax information to the Internal Revenue Service and refuses to correct it. 

On XX/XX/XXXX, I settled a past due credit card debt with XXXX XXXX, the authorized collection agent of American Express.The total amount owed on the delinquent account was {$15000.00}. American Express agreed to accept {$3800.00} to settle the account in full. On XX/XX/XXXX, the authorized collection agent was paid {$3800.00}. According to XXXX XXXX at the American Express Corporate Office in New York, American Express received those funds from their authorized collection agent on XX/XX/XXXX. 

American Express was required by law to provide me a cancellation of debt ( XXXX ) form for the tax year XXXX, and that never happened. I requested that American Express send a XXXX correction to the IRS, which would completely resolve the problem. However, she refused, citing some ridiculous internal policy of holding a payment for 10 days after they receive it. 

However the policies of an individual corporation are irrelevant. The debt was legally settled in XXXX, and I claimed and paid the tax due to the Internal Revenue Service for XXXX. American Express decided to willfully ignore that and sent deliberate, erroneous information to the Internal Revenue Service for tax year XXXX, knowing that this information was false. 

XXXX XXXX utterly refused to provide a proper explanation as to why they American Express would not correct this, other than to say " they just won't do it '' or words to that effect. Now, I am left to deal with the mess that American Express has caused me, despite the assurances of the American Express authorized collectors telling me that the XXXX form would be issued for tax year XXXX. 

What astonishing is the simplicity of correcting this issue. The only thing that American Express has to do to correct this is send a XXXX correction form to the IRS. They refuse, and this problem still exists. Not that it matters, but I am a XXXX XXXX veteran trying to do the right thing and file proper tax forms, but American Express doesn't care. 

In addition to the complaint to the CFPB, I also intend on filing a complaint with the Federal Trade Commission, State of Texas Attorney General 's Office ( Division of Consumer Protection ), Better Business Bureau, XXXX XXXX XXXX XXXX, as well as other federal and state agencies regarding the apathetic business practices of American Express.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

To whom it may concern : I initiated a checking account with BBVA Compass Bank sometime near the middle of XXXX ( oldest statement I could find begins in XX/XX/XXXX to XX/XX/XXXX ) Early on into this relationship, I began having difficulties with the relationship with this institution. I had some fraudulent activity on this account, attempted to inform the bank, essentially my efforts to get resolution/help went without any sort of resolution. There is gymnasium near my home, to which I cancelled my membership in full compliance with the membership agreement. Unfortunately, the gym ( XXXX XXXX in XXXX, CA ) would continue to send in debits against my checking account which at {$32.00} was extremely expensive, inconvenient..you name it. One of the NSF ( after I decided to not continue a relationship with the bank ) was for more money than the amount in dispute, and subsequent to my request to close my account. Additionally when I opened the account, I was informed ( as I knew this was not an institution with extensive branches ) that the " closest branch was in XXXX, CA ) I went to the address as showing on the website, only to find that the branch was long since closed ... even thought there was a sign posted near the street, as well as on their website. 

My final PHONE call to customer service was the epitome of POOR service, as the person on the phone had little to no interest in helping me, and went as far to say " that she had other calls to answer '' ... apparently she was in that department with little/ few/ no other customer service agents?? 

Finally after several requests to CLOSE my account, and additional nsf charges accrued since I determine that putting funds in the account would be extremely imprudent/expensive, I received a letter from BBVA Compass that they were closing my account. 

Lastly, they sent this ( alleged money they stated I owed them in NSF charges ) to a collection agency ( XXXX XXXXXXXX XXXX  ) On XX/XX/XXXX, I sent via certified mail ( see attachments ) a letter to the bank as well as the collection agency, both of which were not responded to in any manner. 

( I will address the collection agency matter involved in a separate complaint ) Thank you in advance for your consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

I never opened an account with Synchrony Bank or Care Credit. I am a victim of Identity Theft in XX/XX/year>. They keep sending me bills for an account that I never personally authorized but my ID and information were stolen by a suspect that is currently charged for restitution.
Consumer complaint received 2018-02-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TCF NATIONAL BANK (NC)

At XXXX XXXX EST on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX owned by TCF bank to attempt to settle on a debt that I had on my vehicle loan. The representative that I spoke with XXXX XXXX was rude and abrupt. He very early in the call stated he believed I never had any intention on paying the debt. I advised him that it was uncalled for and he didn't have the right to be condescending or rude to me, that I called with every intention on setting up a settlement. He then proceeded further in the call to advise me that it was likely in my best interest to get a bankruptcy lawyer and stated that I should do it today, possibly after our call and that my credit would be very negatively impacted by the balance. I advised him that I was well aware of the debt and that was why I was calling and that the loan had already been charged off. There was no justifiable reason for him to do this. I felt threatened, and that he had mischaracterized me. I then requested to speak with a supervisor but he continued to speak down to me and refused to honor my request to speak to someone in management. He proceeded to be rude and snide with me during the duration of the call. He even at one point chuckled on the line. At this point I demanded a supervisor which he then finally honored my request and transferred me over to XXXX XXXX who stated he was the supervisor the delinquency mititgation department. He proceeded to reassure me the call would be reviewed but didn't see very interested in the fact that XXXX XXXX. I am also reporting this to FTC, XXXX and looking into pursuing legal action due to the infraction that took place today. This was not the first time I have had an incident with XXXX XXXX XXXX XXXX XXXX. In a previous call made in XX/XX/XXXXa representative told me that although the vehicle was totaled they could still send out a repossession agent to the home and bill me for it in a malicious attempt to collect a payment and in a call prior to that a rep told me that collection laws were updated and that XXXX XXXX could start reporting me late to the credit bureau even if it was 1 day past due. After all of the abuse and harassing phone calls I am now submitting this because I feel the entire organization needs to be investigated for false claims and laws which are a direct violation of the FDCPA. I am requesting a higher representative contact me immediately concerning this matter and all recorded calls need to be listened too.
Consumer complaint received 2018-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

XXXX XXXX located in XXXX Washington after XXXX XXXX XXXX engaged in fraudulent practices falsified mortgage documents of our home  and then allegedly sold a loan after a law suit was filed in federal court thereby attempting to foresclose on Home by conspiring with XXXX and posting and sending documents of attempted sell for a date of XX/XX/XXXX.  Later, received a letter upon return today From XXXX XXXX in XXXX, Washington stating that property was allegedly sold on XX/XX/XXXX and to contact XXXX. This is a perfected interest property registered with Secreatary of State in Washington under a TRUST.  A RESPA COMPLIANT WAS FILED HOWEVER, THE COMPANIES HAVE FAILED TO VALIDATE OR RESPOND TO RESPA REQUEST AND VALIDATED THE LAW.  Several Letters have been sent and defaulted on for their individual andf collective failures to respond and validate debts.  In addition, these companies have validated numerous copyright agreements filed with Washington State in the AMOUNT THAT EXCEEDS $5,000,000.00   PER GROSS INCIDENT IN COPYRIGHT INFRINGMENT AGREEMENT OF $XXXX  PER INCIDENT.  THIIS IS PUBLIC RECORD AND HAD BEEN A NOTICE TO PUBLIC FOR MANY YEARS.