davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Adjustment Bureau, Inc. (IA)

Sent first dispute letter to Financial Adjustment Bureau ( XXXX, IA collection company ) in XXXX regarding XXXX bills on my credit report. Received multiple pages of printouts from their own computer system, along with some type of copy of medical bills, XXXX of which violated HIPPA law, not XXXX contained my signature. Have time/date prints of my credit reports showing failure to report dispute to credit bureaus within 31 days. Sent followup letter, XXXX, again disputing and asking for validation according to federal law, received a single printed page ( dated XXXX ) from them stating amounts, now with interest/service charges, and a brief statement ... '' '' Thank you for your letter. We sent information to XXXX today to report the above accounts as disputed. We did provide you with validation of debt for these accounts and will not be removing them from your credit report. You received the services and are responsible for payment. '' '' Very appalling from these " professionals '' in the business since XXXX, especially when, in my dispute letter, I pointed out what validation means. Not to mention the consumer address on the HIPPA violation was never mine, there are multiple people with same name and close to same age as myself on the county 's on-line court records, I can not get credit bureaus to remove this address from my report with this collector reporting the address to the credit report under my SSN. Multiple federal laws broken, yet they still want to act as if they are in the right.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2017 I requested Wells Fargo Bank to pay my Water/Sewer Bill to " XXXX '' using their 'Bill Pay Service ' from my checking account. The XXXX payments sent on XX/XX/2017 [ {$30.00} and {$170.00} ] went to the wrong XXXX address. The payments were not credited my account with/by XXXX. XXXX required me to send payment again and I did. I filled a complaint with Wells Fargo and they refused to cancel the payment. They replied " our research has confirmed that this payment with no error on our part. '' I believe they had a duty to determine the depositor of these XXXX checks was the Payee Specified [ XXXX ]. They claim they have no way to retrieve the monies intended for XXXX [ specified payee ].
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me. 
I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX. 
{$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''. 
Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ). 
Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ). 
I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices. 
I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (AL)

I received an invalid transaction on my account. I contact the bank and vendor on the day the transaction showed in my bank account. I spoke with 3 different representatives at the bank. I provided the bank with all the information given to me by the merchant. The final representative was in the " card '' department stated that they were removing the transaction and I will not receive an overdraft fee. The next day I check my account and it has 3 overdraft fees and the invalid charge is still on my account. I contact my bank. The representative informed me there were no notes on my account indicating my call or complaint and there were no open disputes on my account for an invalid charge. I request a supervisor who informed me that they could do no more than their representative. I was then told all the charges will remain until up til 90 days. The supervisors are irrelevant and have no more authority than the representatives. There was no courtesy and I was basically lied to three different times. I received no assistance from the bank ; I was not awarded any temporary credit or charge removals for my inconvenience.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

Hello. I am writing a complaint regarding the American Express Blue Cash Everyday sign-up bonus in which if you spend {$1000.00} within 3 months, you get {$250.00} back. I opened up my blue cash everyday card XX/XX/2016 because of that sign-up bonus and did spent more than {$1000.00} within 3 months, actually I spent more than {$2000.00}. However, I still have not gotten anything. It has been a year, so I decided to chat them starting this XXXX and they are keep saying that it is being researched by the specialists and my request is still pending. Every time I chat with them, they always tell me to come back in couple days to check if it has been approved or not, but every time I come back and ask, they would tell me it is still on pending and they are working their best to find out. No notifications whatsoever. As of today, still, they are still working on my sign-up bonus in which they would never tell me. I would like to get my {$250.00} sign-up bonus. that was the only reason why I signed up for this card.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. 
I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. 
The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

I do not own this account. It is indicating a JOINT ACCOUNT. I have never had this account. Please remove from my XXXX CREDIT FILE. I feel this account was an act of fraud against my identity as it was previously also listed on my XXXX AND XXXX CREDIT FILE. I have disputed this matter with XXXX AND XXXX credit bureau they completed the investigation on time and removed the collection..for your tracking and verification purposes of my statement. 
Please remove this account from my credit file and reanalysis my FICO SCORE through XXXX
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Special Financing Company, LLC (FL)

In XX/XX/2016 I signed up with company called XXXX who stated I was eligible for Student Loan Forgiveness through a program and after 10 years debt would be erased and lesser monthly payment that was owned by XXXX ( now XXXX ). XXXX did documents and payment came back at XXXX as loans were bought by Dept of Education. I was told that I would have to recertify each year and once I did recently I was denied this program as they misrepresented my income as being single last year which I was not. When I recertified I used mine and spouses income and was denied while XXXX informed me my income went up significantly which is not accurate. What is also very bothering is I was informed by XXXX that they have numerous complaints with XXXX and that I should consider filing complaint as I continue to be charged XXXX a month automatic withdrawal for them doing paperwork which was not represented accurately. The automatic payment is taken by a company that evidentally represents XXXX account and it is called Special Financing Company LLC. I have called this company and had my account noted and I also contacted my back and placed a stop order on this monthly withdrawal. 
I would appreciate any help you can provide with this. I also believe I am entitled to 11 months of payment X XXXX be refunded for their inaccurate representation of a plan I am not even qualifed for. 
Very frustrating considering I have made over 20 years of on time payments for student loan and yet I am no further along. I am pretty sure I have paid these off and then some. 
Any support you could provide against my complaint regarding XXXX would be appreciated. Total paid to date is {$1000.00}
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

I received a credit collection letter from XXXX for {$640.00} with creditor Wells Fargo account ending in XXXX. I contacted Wells Fargo regarding the amount due for the account ending in XXXX. The representative stated that the account ending in XXXX had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor Wells Fargo for fraudulent activity on account ending in XXXX for the amount of {$450.00} reference # XXXX DATE : XX/XX/2017 @ XXXX. The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This credit collections agency is trying to collect on a made up amount.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

Good Morning, Back in XX/XX/XXXX, I applied for a loan Modification through American Servicing Company whom was a 3rd party to Wells Fargo and was approved, However in XX/XX/XXXX I sustained a life changing injury and while dealing with this situation it appears as though WELLS FARGO submitted a debt of cancellation to the IRS, in the amount of XXXX as this appears to be income on my end. Well due to various things going on in my life, I finally contacted Wells Fargo around XX/XX/XXXX and spoke with a Customer Service Manager name XXXX /XXXX in their California XXXXXXXXXXXX in regarding this situation. .I explained that this matter needs some kind of correspondence no later than XXXX XXXX, then the called my number on XXXX XXXX but did not leave a message, So when I returned their call the XXXX XXXX ext XXXX that they assigned this issue to was not available as a matter of fact I still have not spoken to the representative assign to this issue or his manager. It is now XX/XX/XXXX and not only have I not received any correspondence from anyone @ WELLS FARGO, But when calling XXXX and I spoke with another representative, whom attempted to tell me that XXXX XXXX had called my number on XX/XX/XXXX @ XXXX but chose not to leave a message stating that there was no voicemail on my number. Which I knew was an incorrect statement. And to add more salt to the injury, When I called XXXX they could not even locate my previous loan # in their system anymore. I am very upset about this situation due because I really feel that Wells Fargo is doing this deliberately to make my life hard.I say this because back in XX/XX/XXXX I purchased a XXXX XXXX and in the middle of my loan some how Wells Fargo was able to purchase my loan just as they did my mortgage and it was a totally nightmare. After paying them double the amount that I initially purchase the vehicle for they attempted to tell me that I still owed them an additional {$5000.00} and when I declined to give them anymore money then they refused to provide me my pink slip after collecting double the amount of the vehicle. And now they want to report an illegal amount to the IRS for a loan modification and I really feel that this is retaliation because they were not able to extort any additional funds from me in reference to the vehicle that I purchased back in XX/XX/XXXX. I want this major issue resolved through the IRS as well I am requesting assistance with obtaining my title as well for the vehicle that I purchase back in XX/XX/XXXX because I have nothing but problems with WELLS FARGO for EVERY TIME they placed their name on any loan that I have obtained. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (NC)

I paid the debt that was owe but did not get in formal information on the balance until I pulled up my credit report. I called that company to at least try to remove the late payments and rep was rude about it. I did state to the company if they can remove the late payments off the account because it would not been late if I receive the notice.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (OH)

I have asked this company Pinnacle to verify a debt they claim I owe. I never did business with Pinnacle and I asked them to validate this debt and remove it from my credit report. I gave them 30 days on XX/XX/2017 and they still never validated and have not responded.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC (GA)

I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery
Consumer complaint received 2017-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit Management , Inc. is sending my client, XXXX, letters stating she owes money on a credit card debt she never had. They need to stop sending her false information or prove that the debt is valid, which we do not believe that is.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (LA)

I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. 



Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.
Consumer complaint received 2017-04-12
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MD)

ON XX/XX/2017, my online password, PIN number and security question answers were changed and an unauthorized debit was made on my AMEX Serve account for {$410.00}. They told me it would be resolved in 7-10 business days. It was n't. Then they said it should be resolved in 30-45 calendar days to give them time complete the investigation. They said I will be contacted by phone or email if I was needed or once they resolved the matter. I have called more than 10 times on my own because their has been no resolution or contact on their part. Even though I changed all the info with their help, it happened again on XX/XX/2017. The info was changed again and another debit was made for {$100.00}. I placed another dispute with them and they said it would be placed with the initial dispute and escalated to be resolved and someone will contact me within 24-48 hours. No one did. The 45 days was up on XX/XX/2017. I called once again and they said they are still working on it but they have no info to update me with, I just have to wait and no supervisor can assist me.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i am writing you today because i was shocked when i looked at my credit report and saw that you are reporting me 30 days late on XX/XX/2018 
i am a senior citizen and i need my credit to be in good standing i am a business owner and i want to apply for a loan but your reporting is hurting my ability to obtain a loan. 
i dont remember missing a payment the only thing i can think is that my statement didn't get to my mailbox, the mailman might of dropped it off in the wrong mail box.
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I pay all my payments but now they are paying me ghostly charges that I do not know what that {$260.00} colleague is and they say that if I do not pay them they will send me to collection and I do not know what to do because I paid too much for the ( Breach ) of 2017 of XXXX