davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

The company has reported 1 single debt in the amount of {$48.00} to all three credit bureaus as a NEW debt collection account under new account numbers on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when in fact there is only 1 single account for a medical debt that actually was paid in full by a financial assistance program. By reporting this single account to the credit bureaus as a new debt multiple times rather than as a single account that is outstanding over a longer period of time, it is causing a greater amount of damage to my credit rating. I have spoken to the three credit bureaus and they have referred me back to XXXX XXXX XXXX, stating that the collection agency has to be the group that fixes this mistake. XXXX however refuses to fix this matter and refers me back to teh credit bureaus.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I found out yesterday XX/XX/XXXX that a company called Enhanced Recovery CO L has reported to the 3 credit agencies that I owe {$1200.00} because of a bill from XXXX XXXX XXXX mobility. I contacted XXXX XXXX XXXX and they deny that I owe them that money and that it is a fraudulent charge. The company Enhanced Recovery CO L,  called me late in XXXX and after the discussion it was my understanding that they understood it was fraudulent because I don't own a XXXX XXXX XXXX mobile phone and haven't for many years. After that I never heard from them by either phone or mail. Yesterday I checked my credit report and saw that they reported the collections and 5 missed payments seriously damaging my credit. As I mentioned earlier, I never received anything in writing from Enhanced Recovery CO L. They posted that I missed these payments XX/XX/XXXX to XX/XX/XXXX. Efforts to reach them by phone led me to a phone with no voicemail box that would not let me even leave a message. There contact information from XXXX is as follows : Enhanced Recovery CO L XXXX XXXX XXXX XXXX, FL XXXX XXXX My contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2018-04-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Ditech Financial LLC (VA)

I have tried several times to get my title lien cleared so I can get a new title from Virginia DMV. 
I called Ditect Financial Customer Service Dept.XX/XX/XXXX to request the title be released from Greentree, which was the finance company that financed my motor cycle. Greentree merged with Ditect Financial. I was told a ticket was opened and they would get back to me on or before XX/XX/XXXX. No one ever got back to me.

I called again on XX/XX/XXXX and requested to talk to a manager. I was told that was not possible. I hung up and On XX/XX/XXXX sent a email to they complaint department. Received an email back stating that someone would get back to me in 3 to 5 days. No one has got back to me.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Bank is telling back in XX/XX/XXXX that they did not receive my loan payment. Which they did receive. All my loan statements have shown that i am paid to date. XXXX XXXX XXXX  takes my payment out every other week and sends them a check. I have check numbers to prove this. They just this week sent me a late notice paper. Before this one i received this week i have not received one in the past. My account is paid up to date and they are telling me its not paid up to date. They have also reported me to the credit so my score dropped tremendously. I have called them they are making me wait till XX/XX/XXXX for answer on how they are going to fix this issue.
Consumer complaint received 2018-01-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Mortgage is close to 3000 I had tried to lower my payments in XXXX XXXX instead Wells Fargo put my home in foreclosure after I asked for a payoff amount which I never received. They make so many excuses not to take my houseout offorclosure. Once you try to reduce your payments might as well kiss your house good bye. Wells Fargo was so disorganized they lost my records, did n't enter them into the system, theXXXX and I worked with representatives that the management cant see on their end. The Vterans Department and The bank have confirmed we sent in all of the documents still XXXX XXXX at Wells Fargo upper management cant see the fault in losing my documents. 

I was assigned 7 different agents to me and my case everytime I got a new representative the VA and I would send in a new packet of information. I Asked for a buy out and they did n't have one, We called several times and wells fargo and XXXX XXXX XXXX did not have a pay off amount for me until a few weeks before the sale. 

I sent in the money and they did n't cash the check, I did everything verifiable to Wells Fargo, I went to the bank to send the documents so this very thing would n't happen. I sent a copy to Department of Veterans Affairs and Wells Fargo so they could not make any excuses but they are and now I am moving out of my house today XXXX, XXXX XXXX We had postponed the sale in XXXX XXXX and continued getting paperwork done I sent in the remainder of information on XXXX XXXX XXXX. The Bank statements were sent by my Wells Fargo Branch in XXXX XXXX XXXX and XXXX XXXX at the VA Sent XXXX a Letter stating she had all the proof I sent in the information. 

Not only that I remodeled my whole house over 50k and lost over 100k in equity.
Consumer complaint received 2020-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX at XXXX XXXX  receive an email debit card locked. 
XXXX XXXX  immediately because I have the card in my position XXXX XXXX  receive an email you added XXXX XXXX to your XXXX account XXXX XXXX  receive an email you send XXXX XXXX {$2700.00} I am still on hold trying to reach Bank of America because I do not know this person I left work and drive to the bank while still on hold, arrive at the bank had to joint a line to go in the bank due to COVID-19 Finally got in the bank at XXXX still on hold with the Fraud department, explain the agent what was going on and if I should hang up she replies no because I also need the Fraud department. 
The agent assists with the reissue of a new debit card and also changing the online password and had to wait now for an agent to pick up. 
XXXX from the fraud finally pick up explain to her what was going on she said she can stop the payment and place the money back into my account. She places the {$2700.00} back to my account and assists in changing my user i XX/XX/XXXX the money was again missing from my account call the fraud department again spoke with XXXX explain to her again what took place she said the account should have been close once the account had fraud done on it, she then closes the account and file a claim and advised will need to transfer me to get a new account open and once that's complete she will transfer the balance into the new account and the claim should be done within 10 business day. 
The new account was open and balance from the old account transfer, I continue to call Bank  every day advised still working on the claim. 
XX/XX/XXXX at XXXX XXXX  receive email claim denial because the transaction was validated using an authentication code sent to a valid phone number belonging to a signer on the account. I then call the bank to explain that I didn't receive a text-only an email request copy of the text on XX/XX/XXXX Bank of America then send me a copy with 2 texts one at XXXX on XX/XX/XXXX and the other XX/XX/XXXX at XXXX XXXX. why would that prove that I approve transition because at XXXX on XX/XX/XXXX I receive that text to verify looking up my user id and on XX/XX/XXXX I receive a text to verify my identity Bank of America can not send me to prove of any text that was sent on XX/XX/XXXX between XXXX when the money was taken from my account at XXXX WHY would I be getting a text at XXXX and on XX/XX/XXXX at XXXX XXXX. Need some assistance
Consumer complaint received 2020-05-09
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. (IL)

Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

We were told by a BBVA Compass bank loan officer that we can apply for a cashout refinance mortgage on the type of property we own. They charged us {$520.00} for an inspection upfront but at the last minute they canceled the inspection because they decided they did not want to refinance our type of property. They promised us a refund but they never refunded our money. It has been more than 4 months. We have called, texted and emailed several times about it but they are not responding to us.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CapitalOne is requiring current customers to verify income and employment status prior to accessing its online account information. The text below appears, along with other text, after logging on. There is no option to skip this step. I do not want to disclose this information nor am I required to disclose it, but CapitalOne makes account access impossible without disclosure and acknowledgement that the information is correct. They did the same thing a few months back. I called and complained and soon was able to log on without disclosing this information. 

" Income and Employment We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. 
Total Annual Income* You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 

2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. 

*Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. 

Employment Status Employed Open or Close Dropdown Continue By clicking on the " Continue '' button above, I acknowledge that all of the information above is accurate. ''
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (OR)

On XX/XX/XXXX of 2020, I looked at my XXXX  credit report, and noticed a collection account from Bonneville Collections in Utah. I wrote them a letter requesting validation of this debt on the same day, requesting information that would prove that I owed this debt. I sent the letter by certified mail, and received a delivery receipt showing that it was signed for on XX/XX/2020. 

Under the terms of the Fair Debt Collection Practices Act, 1 USC 1692g Section 809 ( b ), I have the right to receive proof that I owe this debt, or, upon failing to receive such proof, to have it removed from my consumer credit reports. 

What happened, however, is that Bonneville responded by indicating on my XXXX  credit report that I was disputing the collection. I clearly stated in my request for validation that I was not disputing this account, but rather requesting validation under the above mentioned section of the FDCPA. 

The entry is still being reported, even though 30 days passed without response from Bonneville.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc (CA)

This company is attempting to collect a debt on a car tow that I did not incur, nor did I own the car, nor is it registered to me. The former owner Illegally transferred the car to a name that isnt mine, but the sale was never complete because he never provided smog certification. They are not even using my legal name and they have written threatening to damage my credit. They are overcharging by {$1200.00} pursuant to CA law. The tow company never got in touch with me and are attempting to charge for 45 days of storage. In CA, only 15 days can be charged without communication. The debt collection manager, XXXX, accused me of being irresponsible and attacked my personal character. They refuse to provide documents to back up their claims, though did provide some incomplete documentation.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

Hello, MyGreatLakes has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

XXXX XXXX # XXXX -- - Loan XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMS has committed Valuation Fraud and also violated their servicing guidelines. They are refusing to do an interior valuation, claiming they are not allowed due to COVID restrictions. This is a XXXX. The appraisal industry in California has not stopped or shut down due to COVID. RMS is simply coming up with excuses to not review this file for a short sale, which is a violation of their servicing guidelines. 

Additionally they are trying to force a dead person to complete repairs on the property, which is an illegal request in a short sale. 

I understand the impact COVID-19 has had, however, the rest of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point this is not a COVID issue rather RMS is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want RMS to complete an interior valuation and review this file for a short sale.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Saturday, XX/XX/2020, I saw that I was charged the yearly {$79.00} fee charged by capital one. I contacted Capital One to see if I would be able to get the fee waived as I have recently lost my job. As I am aware that it is not Capital Ones problem that I am no longer employed, I had hoped that they would understand that I, like so many people are experiencing extreme financial hardships during this unprecedented time. I called and was given over an hour wait time so I opted to have a representative call me back. Three hours later, I was contacted by a Capital One representative who informed me that there was nothing they could do about the fee. I was immediately infuriated and asked to speak to a manager. After a brief hold, a gentleman by the name of XXXX who said he was a manager, came on the line and reiterated what the first person had told me. They were unable to waive the fee. Period. I explained to XXXX that the fee was a financial hardship for me at this time, and as a customer of over 14 years why couldnt the fee be waived. XXXX informed me that it was company policy and there was nothing he could do for me. Feeling unsatisfied with Christians response to my questions, I asked him would he be able to tell me when Capital One stopped waiving annual fees as it had been done for me previously. At that point, I believe XXXX decided that he was no longer willing to assist me and hung up in the middle of our call. XXXX was very unprofessional and unprepared to handle my concerns and did a terrible job as someone who has been put in a position to help customers. When I called back to complete my call, there was another three hour wait to reach a representative. After such a frustrating call with XXXX, I opted not to wait for another possibly rude Capital One representative and cancelled my card.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX Bank of America # XXXX. My income was decreased at XXXX XXXX and Social Security for no apparent reason. I talked with Bank of America about the problem. They agreed that I was unable to pay the debt and charged it off. Now it is appearing again, not to be cleared until XX/XX/XXXX. I explained to them that I was permanently XXXX and elderly, now on an extremely low income. By continuing to report this resolved debt for several years past the 7-year report period, I am continuing to be unable to rent an apartment or other necessities. This is undue hardship on top of on-going financial hardship.
Consumer complaint received 2018-01-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Midwest Recovery Systems (TX)

is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.
Consumer complaint received 2019-08-05
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: BARCLAYS BANK DELAWARE (CA)

I received a solicitation online from Wyndham when setting up a hotel reservation. Said you'll get {$50.00} off the hotel room and a VISA card with Rewards issued by Barclays Bank.. So I got one and used it on a trip. They gave me a {$50.00} statement credit and I racked up nearly XXXX points on charges exceeding {$2500.00}. When I tried to redeem the points I went to the redemption site but it claimed I did not enter the correct info, my Wyndham Rewards Membership No., my email address and my ZIP. ( All of which were exactly as on my statement ). On XX/XX/XXXX I tried calling Barclays but they refer you to the ( outsourced ) Redemption outfit whose phone system said waits exceed one hour! 
The card looks like a scam. The Bank is responsible for its agent 's failure to perform under principal - agency law.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}