davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC (TX)

I have a debt collector calling my work number, after I have stated to not call me at work. My work phone number is also on the do not call list, yet I still receive harassing phone calls at work. The last phone number to call me was XXXX and the lady 's name is XXXX at xt. # XXXX. I requested that she not call me at work, and she has my cell phone number. my husband has recently been in XXXX and out of work. I 'm not concerned with any debt from years ago at this time, but will gladly work out payments at a later time. My hope is to just get this company to NEVER call me at work again. They have called me at work before and I need them to please stop, can you please help me? It goes beyond debt collecting when it 's harassment to this extent. please help me get this company to just get my WORK PHONE NUMBER off of their list of numbers they are calling me. thank you for your help. 
Kindest regards, XXXX XXXX XXXX
Consumer complaint received 2019-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Cycle Associates, Inc. (GA)

My husband was prescribed XXXX XXXX XXXX XXXX XXXX in early XXXX which we purchased through his doctor. We were advised they may not be entirely covered under our insurance and they would let us know during his follow up visit in a month our remaining balance. 

During his follow up visit we were advised we owed {$40.00} total out of pocket and paid with a card at that time. Towards the end of summer XXXX we received a bill from the Doctors parent company   XXXX XXXX for {$240.00} and a threat to send us to collections for nonpayment. I called the Doctors office confused and was advised that this was a billing error on their end. Due to their delay in submitting the claim for the XXXX  it had crossed plan years for our healthcare provider and a change in coverage now meant they were no longer covered at all. Due to this being an error on their end they cancelled the balance and we no longer owed anything. 

Then in XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX stating they had purchased our debt and we owed {$240.00}. I mailed them a hard copy of my email communications with XXXX XXXX which showed this was not a valid debt and included a cease and desist order stating it was illegal to sell the debt. This was mailed return receipt request and a signature confirmed they received it. 

The following month I received another letter stating their intentions to attempt collection. At this point I called and was unable to speak with a person. I finally left a voicemail stating their continued attempts to collect an invalid debt are illegal and that they must cease and desist. I never received any further communication. 

Then on XX/XX/XXXX I received a notice of intent to collect from Revenue Cycle Associates. This means that dispute written and attempted verbal communication, XXXX XXXX XXXX has illegally sold this debt. Im am currently in the process of advising Revenue Cycle Associates to cease and desist in writing.
Consumer complaint received 2017-10-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

i had missed one month of payment and had less opportunity to work due to XXXX symptoms. my mother needed help caring for my sister who had stage XXXX XXXX XXXX so i fell another month. i requested to Wells Fargo to pay more over the next several months to catch up but they insisted i do a loan modification, i did not want to do a modification so is sent in a check for one and a half month mortgage payment they returned the check and tild me not to send in any more payments until they complete the modification. i called my congressman XXXX XXXX and his case manager called on behalf. while on the 3 way call the peron he spoke to avioded his efforts to talk to her manager even though he stated he was case manager for congressman XXXX, the case manager said theey will not take my home ... XXXX lost the next election and i had to find the congressman for my district because they did a redistricting and it took months. i found XXXX XXXX was the congressman ( woman ) and spoke to her case manager XXXX XXXX. i explained the mortgage company denied the modification that they forced me into, even though i had {$10000.00} and a XXXX XXXX pension. XXXX XXXX was no help and led me to beleive there was nothing he or anyone could do. Wells Fargo had been guilty of this before but again he was no help. the VA bought my home even though i has the VA so called expert helping to helping me. VA rep.for mortgage XXXX told me they take long to do modifications but they will grant me this. and when i lost my home she just apologized and could not explain why the VA bought it instead of helping me stay in it. i told her that XXXX bank kept changing counselors every few months and i felt they were going to deny me but she insisted they would not deny me. so i have been homeless since 2011. i have wrote Obama and President Trump and got no reply ... i did what the VA pamphlet said to do by calling the VA " expert '' and still lost my home ro the VAXXXX i feel i did not gey mad enough because i trusted the system. i get  thanked for my service and some call me a hero but i lost my rights defending this country to the system. XXXX company sent me information stating that my foreclosure was not done wrong, so how can i get help to right a wrong?
Consumer complaint received 2019-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass-Through Certificates, XXXX XXXX ) We are reaching out to you for clarification on the subject property into if ( " XXXX '' ) is the Trust and if it " owns '' or " Previously '' owned the mortgage and note on the property. If So from when to present-day or Until When. Thank You
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

I have disputed charges for services to my BarclayXXXX XXXX following the dispute process of the card issuer, by multiple telephone calls as well as via letter. The charges were for verterinary services provided by Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services provided were of poor quality and were provided by XXXX school students who were not properly supervised by experienced veterinary clinicians, and resulted in the XXXX of my young dog. I have contacted the merchant, who has not resolved the issue, on several occasions prior to contacting the card issuer, XXXX XXXX. The credit card issuer has taken every opportunity to first discourage me from disputing the services, reluctantly entering the dispute, and contacted me by telephone today to inform me that while they had provided provisional credit to my account, they are now recharging my account and not pursuing the dispute because the charges were for services which were already rendered. I responded that of course they were already rendered, but that I still had the right to dispute the charges due to the issue related to the poor quality of the services provided ( the charges were for a total amount of {$5600.00} over 4 separate charges, made in my home state of Texas. I asked to speak to a manager, and was told that no manager was available, but that someone would contact me in a few days. It is clear that XXXX XXXX has no intention of complying with the provisions of the Fair Credit Billing Act by pursuing this dispute with the merchant.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Back in XX/XX/2021 I was approved for a business loan for {$17000.00} from XXXX  XXXX that was placed in my personal account because around the time I applied for the loan I wasn't able to gain access to my business account due to covid protocols. Once I got my business account debit card back activated with XXXX XXXX XXXX I was transferring my funds from my personal capital one account into my business account to pay my manufacturers for several orders. Before I opened my business account I did all transactions through my personal account and me and my fianc 's XXXX XXXX. When I tried to gain access to the funds Capital One questioned me about where the money came from, in which I told them. They then froze my account and told me that it was under investigation and that I needed to provide documentation and my EIN number supporting my business, in which I did that also. They then told me they would be in touch and never contacted me after I made several attempts to contact them. My loan wasn't through Capital One so I can't understand my I am being taken through these actions by someone other than my lender. I went through a very extensive process to be approved for my loan. why am I being asked to present the same documentation. XXXX has no say so in my approval process. I was already granted that by XXXX XXXX XXXX. No other persons I know with other banks have went through what im going through. obviously all my documents was satisfying to the XXXX XXXX XXXX  and government to grant me the loan in the first place. They shouldn't be able to make their own judgments on my personal loans through a 3rd party. They're only job is to hold and secure all my funds. I have a legit business and should be able to receive the rest of the funds from the loan I was approved for.
Consumer complaint received 2016-08-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management continues to contact both me and close family. I learned that today, XX/XX/2021, that a close family member was contacted in regards to an alleged debt. The agent on the phone disclosed information about alleged debt that they are not legally privy to.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

There isn't enough information that is included in the statement received by Phoenix Financial Services to pin this alleged debt to my consumer reports. On XXXX XXXX, a statement of {$630.00} was sent to my address with an offer of {$250.00} to settle the alleged debt. I have reached out to the company via certified mail and am waiting on a response to resolve this issue.
Consumer complaint received 2017-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've sent a XXXX payment transfer from my XXXX XXXX to Capital One 360 about a week ago and the money has not arrived in my capital one 360 account. I've received confirmation from both banks that the money has been sent and received but it's not showing up on my account. I've contacted XXXX XXXX and Capital One 360 numerous times and spoke to the representatives and the supervisors there but they are not willing to fix this issue and give me my money back. The money is lost somewhere and the banks can not find it. I've sent money from my XXXX XXXX to Capital one 360 before using the same method and I've had no problems.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I am writing to formally dispute the validity 10 missed payments. Upon reviewing the documents provided, I have noticed discrepancies in the original contract associated with the debt. 

Specifically, the terms outlined in the original contract do not align with my recollection of the agreement. I request that you provide me with a detailed breakdown of late payments accrued. 

Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Please provide all relevant documentation, including the original contract, proof of ownership of the debt, and verification of the amount owed.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (SC)

My mortgage was initially a fixed rate mortgage with XXXX. Then it was switched to M & T Bank. Somewherealong the line the fixed rate went to a ARM Mortgage. I never signed anything to switch from a fixed rate to an ARM. I think I have been a victim of fraud.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

open a simply checking account in XXXX 2016 due to the promotional XXXX bonus have not received of this date called customer service was told did not received it because my son has me on his account what does have to do with the fresh account under my name that i open in XXXX have to do with the promotion very dissatisfied if the person at the branch would have told me that because my son put me in case of a emergency on his account i would have never open XXXX at this point i am looking into other company to do business with
Consumer complaint received 2016-12-29
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CNG FINANCIAL CORPORATION (NM)

I contacted Check-n-go to extend my payment out to an additional week because I would n't have the money to pay my monthly payment on the scheduled day. The first person I spoke to was a male who assured me that he can extend my due date for another week. This was around the XX/XX/XXXX. I received a call from a woman that worked in the same office a few days later claiming that my due date was never changed and that the man that claimed to have changed it, could n't do that without me refinancing so she recommended that if I wanted to change my due date I would have to come in and refinance. So I went in on the XX/XX/XXXX to refinance but could n't because they had to wait for the payment that was already ACH from my account to return as paid or unpaid in order to refinance. She informed me that they could not debit or ACH my account again until they call me first. She also informed me to check back with her on XX/XX/XXXX and everything should be returned and situated by then. I returned on the XX/XX/XXXX only to find that someone had sent the payment back out. They violated their own policy when they sent the payment back out because they were supposed to contact me first and they did n't. They ended up terminating the man that assisted me and I received another overdraft fee but that was n't the real issue. the issue was that they violated their own policy and they made it seem as if it was n't a big issue at all but it was to me because I felt that I was being treated poorly and unfair. At that point I did n't want any part of their business. I am not saying that I should n't pay anything but I should n't have to pay what they expect me to.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.
Consumer complaint received 2024-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

I had to submit this on XXXX and now Aidvantage is doing the same thing. They are refusing to check the clearinghouse for my student status even though I've been on it for a couple of months ( school verified ). They are trying to make me fill out paperwork which they know will take longer than the payment is due. I think they are ticked off payments were suspended for so long and are desperate to get them anyway they can including ignoring/cheating.
Consumer complaint received 2021-08-04
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 (PA)

I was never 90 days late in this account but the Credit Bureaus were reporting it as late. I have sent my concern to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. However, up to this date, I have not received any feedback from them. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Repeat calls
No letters
MA law 3 letters 2 from credit card then collections 
I never received any
Calls same person 25 calls
I changed my phone number that i had for 20 years
Consumer complaint received 2017-10-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (MD)

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report that is not correct. There are several inquiries on my report that I did not authorize and should be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED Miscellaneous Government XX/XX/XXXX XXXX DEPT OF ED Miscellaneous Government XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

XX/XX/XXXX - I lost my XXXX XXXX Check Card. XX/XX/XXXX - Called to place a hold on the card and order a new card. XX/XX/XXXX - XXXX made me aware that unauthorized activity had taken place on the card and transferred me to the fraud department and this department ensured me that the funds would be recovered. Informed me that the fraud department would follow up with a phone call. XX/XX/XXXX - The fraud department never followed up. The funds were never recovered. I called to see why I had not received a call and was given the runaround. 
XX/XX/XXXX - An agent named XXXX, who was extremely rude called to inform me there was no guarantee that my funds would be recovered and talked to me with very little respect because I did n't file a police report. I explained that I would and the only reason I did n't is because they ensured their investigators were on top of it and I did n't know who to file the report against exactly. XX/XX/XXXX XXXX XXXX XXXX XXXX from the executive office responded to my BBB complaint still refusing to return the funds and telling me the bootleg investigation they did had been closed. When I previously filed complaint # XXXX, XXXX XXXX disassociated themselves with BNY which are supposedly the issuers of the card. So now, I am trying to address this with the proper company. I have tons of proof to be uploaded but it wo n't let me go over 10MB. I uploaded my first call with them but I have 6 other calls that follow to prove their negligence, disrespect and outright lies.