davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left. 

I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION. 
It appears they are to stupid to comprehend that simple English statement. 

They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages. 

In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time. 
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago. 

With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years. 

Any future contacts from them to us will be met with the most harsh and hostile reception possible.
Consumer complaint received 2015-11-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

THIS IS XXXX XXXX XXXX AGAIN.YOU KNOW ME.I WRITE A COMPLAINT ABOUT XXXX & XXXX ABOUT THERE HARASSMENTS.I 'M WRITE THIS FOR MY MOM SHE AS HEALTH ISSUES. WE ARE HAVE PROBLEM WITH PORTFOLIO CALLING AND HARASSING US THEY HAVE CALLED THE HOUSE 34 TIMES.MY MOM IS SICK OF IT.AND XXXX XXXX XXXX IS STILL CALL US ABOUT 7 TIMES WE ARE SICK OF THEM CALLING AND HARASSING US, AND SENDING LETTERS.I WISH THEY WELL STOP XXXX LEAVE XXXX ALONE. YOU CAN SEND THE INFORMATION ON MY MOM EMAIL ADDRESS.MY EMAIL IS NOT DOING RIGHT.THANK YOU.AND XXXX XXXX XXXX RINSING THE WAGES.
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (WA)

Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.
Consumer complaint received 2017-01-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (ME)

The Thomas Agency has tarnished my credit report by trying to collect money on behalf of Maine XXXX XXXX XXXX. I am XXXX and have had full medical insurance for over 10years through XXXX and XXXX. So there is no possible way for me to have unpaid medical bills in that time period and anything before 2010 it should be removed from my credit after 7 years.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I have been trying to get my IBR renewed since XXXX Navient repeatedly denied having the applications ( I was asked to resend them 3 times ) Over 6 phone calls were made to Navient and each time I was given a different direction to resubmit a lost application or go into forebearance which I was forced to do.Today I was told I checked the wrong box on page XXXXof the application and I need to send the page XXXX in again and was put in forebearance until the matter was settled.This is almost 6 months of false information.I was also told that they would not take into consideration for recalculation ( if I ever get it ) that I also have a private loan.They have always taken that into consideration in the past.I need help.It 's like dealing with a maze of untruths please help me.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021 Bank of america closed my account and on XX/XX/2021 the bank kept my paycheck in the amount of {$720.00} on XX/XX/2021 i first become aware of 5 unauthorized claim charges were submitted causing bank of america to add credit to the account totaling an amount of over {$1000.00} i reported to the bank the bank that i did not make those claims the bank said the frauds team was notified by and automatic alert the moment the claims were being made and they begin monitoring the account the bank stated the claims were made by a phone call to the bank the claims agent failed to follow the procedure to verify the identity of the caller to be who said to be instead the agent matched profile information with the callers inform the caller pretended to be me using my identity while communicating with the agent the claims date back to XXXX XXXX and were all payments i made to XXXX my loan a title loan company who then filed a lawsuit against me
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX account XXXX ..., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX XXXX account XXXX ...., FRUAD ACCOUNT. 
XXXX XXXX XXXX XXXX account XXXX ...., account was used to commit FRAUD. 

THE INQUIRIES BELOW ARE NOT MINES AND SHOULD BE REMOVED. ATTACHED PROOF OF CAR DEALERS SUBMITTING WITHOUT MY APPROVAL TO SERVAL BANKS. 
he following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

Primary Residential Mortgage, Inc. ( XXXX XXXX, Division President, XXXX XXXX ) lost my buyer a house and earnest money. From XXXX XXXX to XXXX XXXX the lender was not able to get underwriting approval until the seller finally accepted another offer. For months, it went back and forth to underwriting with " XXXX more piece of information needed ''. We executed XXXX and my buyer still lost the house.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

Experian is reporting inaccurate info about XXXX XXXX. EXPERIAN REPORTS status as a past due amount of {$2600.00}. However, I have uploaded a copy of the deed in lieu of foreclosure document which clearly states the deed is in acceptance of any and all past due balance. They also report that we have a monthly payment of {$410.00}, and a recent balance of {$20000.00}. Last reported on XXXX. I asked them to investigate and followup with XXXX. According to XXXX, they no longer show the account active with no balance. Experian provided dispute findings as remains no change. They did n't even get an updated response from XXXX. XXXX XXXX clearly states deed accepted ias full satisfaction. I have been trying to get experian to correct this for over 60 days..
Consumer complaint received 2015-04-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

I was a guarantor on a loan for my Kids, and I am know being Audit by the IRSI spend an entire week trying to get information for the loan in question by IRSCancellation of Debt : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / Date XXXX/XXXX/12 / Amount Reported to IRS : $ XXXX have called every one under the sun to try to get this information, and I have not been able too get anywhere. I have a date line to get this information to IRS by XXXX XXXX according to the XXXX XXXX, the loan is with : NavientXXXXXXXX XXXX XXXX, PA XXXX Help
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have a collection placed on my experian credit monitoring by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to experian that the thirty days passed and I received no validation of my debt and I had asked experian to remove this collection immediately. Experian however did not delete it from my credit and wrote that it is under investigation for 45 days That was on XXXX XXXX, XXXX, where two months have passed from that date. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX was reporting over 10-year old bankruptcy information on all credit bureau reporting agencies. XXXX sent out an update to delete this information as well as instruction to delete a statement saying " after FRCA investigation consumer disputes ''. All credit bureaus ( XXXX ) received the automatic update ( AUD ) as XXXX XXXX informed me via one of many telephone conversations. However, Experian refuses to change my report to reflect XXXX explicit instructions to do so. I know this because after talking with Experian customer service 3 times, it was confirmed each time this same information remains and I was told Experian had received an update from XXXX XXXX, 2016 like the others had. They are violating my rights to have my credit report updated to expunge illegally reporting outdated information, as was so stated in XXXX letter dated XXXX XXXX, 2016 that was XXXX to me by XXXX XXXX, executive consumer reporting specialist. I have been turned down for loan because of this negligent reporting.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian.
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (TX)

My daughter was XXXX and her medical bill was sent to collections because I could not afford the payments. The collection company put me on a payment plan of XXXX a month. I missed a payment a couple of times and always made up the payment the next month. When I received notification that I missed the bill it always showed a balance of XXXX which is the two months combined. When I called in to pay the bill they saw I missed last months payment and said I needed to pay the XXXX. After I made a double payment they always said my account was up to date and my next payment due was the following month. I missed three months but always made it up the next month. I received a letter in the mail 2 weeks after I made a payment that my account was in default. I called stating I did not understand that I always made it up and when I made my last payment XXXX/XXXX/16 that I was current until XXXX/XXXX/16. The representative told me I missed those 3 payments and now my account is about to be reported to my credit score unless I pay XXXX to make up the three payments I missed. I stated I made double payments and she said she recognized the double payments but they were never applied to the month missed I just made an additional payment. Now if I do n't pay XXXX or my full balance my account will be reported on my credit score. Not once was I ever told when I called in my account was about to be defaulted or that they were not making up that missed payment. I asked to speak to a manager and after I was placed on hold for 5 minutes the representative told me her manager would not be able to speak to me because he was stepping into a meeting and that he would just tell me the same thing. If this is happening to me it is happening to someone else. People are in collections for a reason and she be helped not taken advantage of.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

This is in regards to original credit card XXXX account # XXXX with the amount of or close to {$12000.00} has more than exceeded the California time statue to collect since its been more than ( 6 ) years of no payment, corresponded and or dialogue. I would like that collection agency below contacts XXXX And or other credit agencies to remove this negative Mark from my credit report and or to issue to me a letter on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES IN REGARDS TO THIS DEBT. BELOW IS THE COLLECTION AGENCY THAT PERTAINS TO THIS DEBT. 

MIDLAND FUNDING ( their account # XXXX : XXXX, Ca. XXXXPhone : ( XXXX ) XXXX
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Northstar Location Services, LLC (VA)

Different people from the phone number XXXX keep calling family members and friends, looking for me. They are asking for personal information and refuse to identify themselves or their company. They say a " complaint has been filed against me. '' All my bills are paid and are up to date. I have received no notices from anyone stating I owe them money. I want this harassment to stop. If they think I owe an debt then send me something in the mail and proof of any debt you think I owe. I found them to be debt collection agency by looking up the phone number on line.