davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (OH)

This bill is regarding my XXXX XXXX XXXX done at a XXXX XXXX XXXX hospital in XX/XX/2017. The hospital bill was paid by the VA. This disputed bill is from the ER doctor who chose to bill me and not the VA timely. I am not responsible for this bill. AR Resources is the collection agency for XXXX XXXX XXXX XXXX. I have yet to ever receive a bill for this charge yet it appears on my credit report??
Consumer complaint received 2019-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I have MULTIPLE complaints. 

The first is that information is lacking and is not transparent. There is no way in the system for me to confirm the repayment plans each of my loans is on. 

The second is that they placed my loans in forebearance for NO reason. 

When I emailed to ask about it two weeks ago they never responded. 

They increased my monthly payment claiming it is because some of my loans are on a graduated repayment plan even though I switched ALL of my loans to the standard plan years ago. Since I can not view/access that info, I applied to change all of the loans to standard. They denied it stating my loans are already on the standard plan which begs the question of why were my payment amounts increased and why are they claiming some are on the graduated repayment plan. 

Now, the site wont allow me to submit a question about that. 

It feels that they intentionally fail to provide information or respond to requests for information and I am concerned about what is actually happening with my loans.
Consumer complaint received 2015-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (NY)

Received telephone call from EOS CCA at my place of employment. 
Returned call and was advised I owe a debt to XXXX XXXX. I advised in writing to EOS on XXXX/XXXX/2015 that I dispute claim and requested verification of debt because I never received a final bill after my cancellation of service indicating amount owed and for what services they rendered to me to cause my owing the debt. On XXXX/XXXX/2015 I received an alert by email from my credit monitoring service that XXXX potentially negative item was placed on my credit report, which was XXXX XXXX. I am also disputing that negative item with my credit reporting agency. As of the date, I have no response from XXXX XXXX or EOS CCA.
Consumer complaint received 2019-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MA)

I recently got a new phone number ( XXXX XXXX XXXX ), and since then I started to get at last 3-4 calls from ( XXXX ) XXXX XXXX Wells Fargo 's Online Customer Service every day. It seems that they are trying to collect a debt from the previous phone number owner. I called them today to explain that I never had any banking account and/or credit card with them, and I recently ( 2 weeks ago ) got this number. I asked them to stop calling and harassing me, but the problem seems to persist.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

My father 's health is failing and he has XXXX XXXX. He has XXXX daughters of which XXXX is under indictment XXXX, her arraignment was yesterday ( XXXX XXXX, 2015 ). Myself and another sister gained joint POA over our father in XXXX 2015. The XXXX daughters united and currently have a civil case against the XXXX under indictment. This XXXX sister called Suntrust Bank and said that my fathers account was being used fraudulently and that it should be investigated. Suntrust put a freeze on my fathers account, jointly owned with my sister who has joint POA and is the XXXX party payee for VA for my father. He has no income now and they can not make their house payment or pay for monthly medical expenses. There is no court order to freeze and no valid reason to freeze. On XXXX XXXX, 2015 we sent a copy of the POA, a letter from the XXXX XXXX XXXX, and a copy of our case against the sister under indictment ( the XXXX who called Suntrust and requested investigation ). We had the Detective call Suntrust Bank and talk to the individual who put the freeze on and she still would not listen. The representative for Suntrust, XXXX XXXX XXXX, was unwilling to discuss or offer a number that we could call to dispute. She said ... '' get a court order to remove the freeze ''. My father is without funds and has no way to support himself. My sister does not work and is the fulltime care taker for my father. We will now retain an attorney in Tennessee to fight this but the bank had no documentation to support this freeze and is discriminating against my sister for unjustified and undocumented claims.
Consumer complaint received 2020-03-18
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. (UT)

XXXX  XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2016-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CT)

I was laid off from my job for the second time and decided to go back to school. As I went through they were lookin it my and my husbands income as well. I needed to get a full-time job, so when I went back to working full time they told me I had to start paying off this loan. I 'm XXXX XXXX less than half of my paycheck and is very burdensome. I struggle every month trying to pay that bill as well as my other responsibilities, i.e., my monthly bills. 
If I could get some of my {$66000.00} debt of student loans, and parents plus loans down, this would help me tremendously. I 'm trying to go back to school to earn an XXXX, but I will be XXXX or XXXX years old before I am able to even think about not having to pay any more educational loans.
Consumer complaint received 2023-04-27
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

This collection agency has been harassing me for a couple of years to the point of psychological abuse. A couple of years ago the started calling about a XXXX XXXX XXXX XXXX account, which my wife opened up in my name. At the time I was unemployed and not even a XXXX  XXXX, but because she was filling for me she decided to take advantage of the situation and did whatever she felt she could get away with. However to cut along story short a couple of collection agencies contacted me about the debt over the years, which I believed was accrued around XX/XX/XXXX/XX/XX/XXXX, I can't recall. I always addressed the situation and they all let me. Around XX/XX/XXXX, I had prolonged interaction/communication with the aforementioned collection agency, for which I have evidence in which this same matter was addressed. I believe I initiated an identity theft action but when they asked if I wished to get the police involved, i decided against it, but the matter was left I guess unresolved, however, this account was further disputed on my credit report around XX/XX/XXXX, it was actually removed from my credit report. However today I got a new credit alert a new file was added to my credit report claiming unpaid debt, and my credit score tanked. When I contacted Afni Inc earlier today they asserted that this account has just come into their hands in XXXX and that they have have never had any past interaction/correspondence with regard to this report hence i have to file an identity theft report, in short start the whole process all over again. I have filed a dispute on this account with XXXX, and Afni asserted that they would temporarily remove the derogatory remark on my credit report, while the matter was under investigation, again. Let me be explicit the Supervisor/Representative who I communicated with at Afni Inc and who initiated the identity theft report was adamant that this account only came to Afni Inc in XX/XX/XXXX and they have absolutely no record any correspondence with me in the matter. That is absolutely false and misleading. My impression is that they are either being vindictive and/or trying to get the account reset so as to pursue the debt ( {$140.00} ). I have NEVER attempted to hide from this situation and have addressed the matter at length over the years and I know the statue of limitations on this debt has expired after. This company NEVER made any attempt to contact me via phone or mail in their latest effort and it definitely false that they just got this account in XX/XX/XXXX as I have extensive proof that Afni Inc and I were in extensive contact in mid XXXX regarding this debt. i wish they they leave me alone I DO NOT OWE THEM OR XXXX XXXX XXXX XXXX ANYTHING.
Consumer complaint received 2019-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (CA)

PayPal Credit is the problem and only this aspect of PayPal. I have had my account placed on a temporary hold after paying my complete balance at least three times in this first 6 months using PayPal credit. These holds started at 7 days and the most recent hold has lasted half of XXXX starting on XX/XX/19 and being delayed on into the XXXX XXXX. My bank account is the same Ive always used with PayPal and yet they keep freezing my account for longer periods. PayPals customer service are mystified as to why these holds keep occurring, so I am filing a complaint here in hopes my concerns will be acted on or at the very least warn other consumers.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Consumer complaint received 2019-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

My loan is at a fixed interest rate of 4.29 % for a total loan amount of {$3100.00}. 

Whenever I pay a payment, accrued interested has been anywhere between 20 % - 65 %. For example, one month I paid XXXX {$37.00} went to the actual loan while XXXX went to interest. Other months I've paid {$50.00} when XXXX went to interest and XXXX went to the actual loan. Every time I go to pay, this is happening. I don't agree with their interest accrued formula and how much they taking for interest. 

When I applied to the school they advertised my fixed rate with no information about this " accrued interest '' Between the school 's false advertising and the lendors interest formula this is a serious scam.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I tried to use my membership rewards and it keeps saying " under review ''. The terms and conditions state that the reward bonus can be reviewed only up to 8 - 12 weeks, but I got the reward bonus many many months ago back in XX/XX/2019, so it is well past 8 - 12 weeks. Many months past. Many many many months past. 

Given that it has been well over the timeframe for review, please unfreeze and unlock my membership rewards account so it can be used. 

Thanks.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (OH)

I had received a couple of calls from Jefferson Capital at the end of XX/XX/2020, but nothing out of the ordinary. However, today, Wednesday, XX/XX/2020, they called me four times within an hour. The first two were at XXXX and XXXX and the last two were at XXXX and XXXX. I answered the last call and informed them I would be filing harassment charges against them for the repeated calls.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, XXXX  and exquifax. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, XXXX  and exquifax.
Consumer complaint received 2019-12-26
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. (CA)

I have been since XX/XX/2019 requesting to have a mortgage through XXXX  XXXX  XXXX  be reported correctly on my credit bureau. I have disputed this several times with all parties and to date this is still reporting illegally and incorrectly. I'm in a back and forth between Experian and XXXX  about the final status of this mortgage. XXXX   responded to cfpb in writing that they have instructed all credit bureaus of a paid in full on this account and to date it has not reported that way on my credit bureau. I paid a mortgage off in full and its being reported " settlement '' or less than full balance. When I called experian they ask if the sale was a short sale, I told them absolutely not. They said XXXX was still reporting account as a short payoff of!!
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Johnson Mark LLC (ID)

On XXXX XXXX XXXX I received a judgement against me in the mail from Johnson mark llc. I called to see what the judgement was for and to ask why and how they could get a judgement without notifying me. They said that they had served me XX/XX/XXXX but I had not been served or notified of this debt. I did some digging and found out that the debt was from a credit card that i had had a few years earlier. I thought the card was paid but I could n't be sure so I went down on XX/XX/XXXX to Johnson mark llc office in XXXX Idaho and paid the debt in full. I asked multiple times that the debt was paid and that the garnishment was taken off the secretary said she would do it right then and I waited as she entered the information on the computer. She said it was done and then I asked to speak to the attorney XXXX XXXX and asked him the same questions which he replied that it was paid in full and the garnishment was taken off. On XX/XX/XXXX my paycheck was garnished for around XXXX dollars. I went down to talk to Johnson Mark llc and was given the run around about how they did n't have a receipt for my payment that it was n't in their computer and that if money was owed back to me it could take days or weeks to refund. I have all the receipts showing that it was paid in full on XX/XX/XXXX which I showed him. He was not surprised seeing that he was XXXX of the XXXX people that helped me when I went in and paid it. Thank you for your time.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account. 
Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history. 

Thanks.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (CO)

On XXXX XXXX 2014 I was in the emergency room at XXXX XXXX XXXX Co. I have double insurance coverage and both companies were billed the total amount instead of billing the secondary only what the primary did not pay. The secondary assumed there was no other insurance and issued an Explanation of Benefits stating {$370.00} was owed. The primary insurance payed all but he {$250.00} deductible and I payed that. The hospital had then been payed the total contracted amount. We contacted XXXX four times and they would not re-bill the Secondary insurance company insisting the problem was the insurance companies fault. We solved the problem by providing information to the secondary insurance company and they reissued a new XXXX stating nothing was owed because the entire contracted amount was payed by the primary insurance company and the deductible was covered by me. XXXX turned the matter over to XXXX XXXX debt collectors. When we explained to XXXX Advantage and sent them the written Explanation of benefits they dropped the matter. XXXX then turned us into another debt collector called Global Receivables. Global receivables does not want to receive any information from us concerning the matter. I told them I would send them XXXX XXXX 's from the insurance companies and they said no. We have been harassed for over a year with threatening phone calls and letters.
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (AR)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THIS CREDITOR AND XXXX AND XXXX IS NOT DOINT HTEIR JOB ON DELETING AND BLOCKING THE REPORTING OF THIS FRAUDALANT ACCOUNT
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: U.S. BANCORP (UT)

I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.