davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third Bank did not apply my payments to the right account, then tried to charge me late fees for their error. Towards the end of the loan Fifth Third bank REFUSED to accept my payments, offering numerous excuses as to why : it was short {$0.00}, my payment was coming from a different account then previous, my husband wasn't on the account so they wouldn't allow him to make a payment, etc ... Once I got them to start accepting my payments again I was then informed they put the loan into a repo hold until I paid the loan in full, all the while still accepting my payments. I paid the loan off since I wasn't given any other option, only to have Fifth Third bank still send wreckers to get my vehicle! I called daily and Fifth Third would not accept my calls, seriously. When I would call I entered either my phone number, account or SSN when prompted and would get disconnected immediately. But I could get through if I entered as a 'guest ', and even then would still get 'disconnected ' when they would transfer me. I had to get my bank involved to demand Firth Third send the title.

I was living in fear, was bullied by this lending company!! One of the specific reps they would transfer me to would yell at me, laugh and tell me she didn't care if it was there fault, that Fifth Third WOULD repo my car even though I was making my payments and there was nothing I could do about it other than to pay the loan balance in full!
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (AL)

In correspondence to complaint number XXXX My sincerest apologies for making another complaint in regards to the same situation. But I received correspondence from PNC. It's very telling of the situation I'm in. Again, I was suppose to receive a check from the remainder of my balance that was closed. Well I received a account summary with the wrong account number. It shows the deceptive nature PNC displays to consumers who they believe are unaware. I believe this stems from my conversation with XXXX XXXX and maybe this was done by her behest or it's a part of PNC underhanded policies. But I have two uploads. One of a checking summary with the account number XXXX ( it's typed XXXX ). And another with the last XXXX of my checking summary. Also I never got written statements, everything was paperless.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns XXXX XXXX keeps calling my phone to try to get their payment for my washer and dryer. I have no problem paying for my items as Ive previously stated to them. My account is on auto debit but for some odd reason, the payment never goes thru, even tho there are funds in the account. As of today, XX/XX/XXXX, I have been called by Conns nearly every 30-45 minuteseach time from a different number. On Sunday XX/XX/XXXX i was called 7 times between 1pm and 5:17pm!!! Its ridiculous! No voicemail is ever left, no emails are sent. I have asked them to please stop calling my phone repeatedly as I am a XXXX  in the ER, and having my phone ring this frequently interrupts my ability to care for my patients. Just since 7am today, I have been called 7 times. Please do something because this amount of calling is harassment and is interfering with my job.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Calls.. already told them that that was included in my bankruptcy and gave them the bankruptcy case number and they kept on arguing back with me that I needed to pay them.. last call was today XX/XX/2019. Portafolio Recovery XXXX XXXX and XXXX XXXX. They are all showing on my credit report and lower my score from a XXXX to a XXXX.
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

An ExxonMobil Credit Card through XXXX was opened using my identity. In XX/XX/2022, There was a charge of {$56.00} to this credit card which I believe was used for gas. I contacted ExxonMobil and they immediately began an investigation. What I wasn't told, was that during the investigation, they would be racking up {$30.00} late fees which is now at {$370.00}. I gave ExxonMobil all the information needed as to who opened the account, but still left me responsible and ruined my credit score from XXXX to XXXX. Had I known all this would happen, I would have just paid the {$56.00}. Exxon just cleaned their hands of {$56.00} & sent me over to collections. The other gas cards that were opened fraudulently using my identity were resolved immediately.
Consumer complaint received 2019-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CT)

I contacted XXXX XXXX XXXX to negotiate a lower interest rate on my student load after it had recently gone up again. They told me that they were only the servicer of the loan and that I must contact XXXX XXXX XXXX, who they said owned the loan, to speak about interest rates. I called XXXX XXXX XXXX and gave them my full name & SS # and they could not locate me in their files. Now I am wondering who I am paying and why my interest rate went up if nobody owns this loan.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Chime abruptly ended my account for no reason at all. They claimed my account may not have been in compliance with certain terms of the Deposit Account Agreement, yet they refuse to give me a specific, legitimate reason as to why my account was closed so suddenly. Not to mention that the funds on account might not be received in the mail for up to 30 days. Is it anything I can do? At this point I was just to be able to access my funds immediately instead of having to wait 30 days. My business with Chime is done, which is unfortunate because I have been a Chime member for a couple of years now.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I submitted a request for a modification because my mortgage has a balloon payment that is coming due. I do not want to lose my home. I want to modify the mortgage and receive an affordable monthly payment. Select Portfolio is giving me a difficult time with fixing my monthly payment. They are unwilling to help me. Please help. Thank you..
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC (MO)

XX/XX/19 Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (VA)

I have had my credit cards for many years with TD now, and have had excellent payment and credit history. I called customer service today to ask if I could be considered for a lower rate on my cards and was told that the current rate is the rate I qualify for and there was no one else I could speak to. I asked if he ran my credit to make that statement and he told me he did not. I explained to him that my credit has improved since i first got the cards years ago, but he still offered no assistance. I have banked with other banks and this is a common practice-to review a longstanding customer for consideration of a rate reduction. I would hate to move my business to other banks just because you would not consider me for a rate reduction, as I have already been offered lower rates to transfer my balance to other banks, but I declined.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Today I called Midland Funding, LLC that is the collection agency handling my XXXX Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called Midland Funding 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called midland 's  main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in XXXX and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in XXXX   then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX XXXXXXXX that was currently in XXXX.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OR)

On XXXX XXXX, I disconnected my XXXX  services in preparation to move to XXXX OR, which is not a service area for XXXX. They removed the early termination fee from my bill and credited the account. That left my account with a credit of XXXX. Once my final bill was printed the cancellation fee was added to back to my account along with other minor charges that were clearly AFTER my termination. 

This account has been turned over to a collection agency- it is not a valid charge and I should have received a credit BACK from XXXX. The balance on this account is simply due to the charge of the Early Termination. 
XXXX was also aware that I was moving to XXXX Oregon as they sent my final bill to my Oregon address as seen on the enclosed bill. 

XXXX has not been willing to help or rectify this bill. The collection agency changes every few months and no one is willing to help. I am not sure of where to even send this cry for help.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I have contacted Equifax several times, both by fax and certified mail. They refuse to correct two pieces of incorrect information.

1. A collection account from XXXX for {$210.00}, which has been paid and I have provided proof several times. XXXX says they have submitted it as paid. Equifax will not remove it. 
2. A medical bill from 2013 from " XXXX XXXX  XXXX '' which is time-barred and shouldn't even be on my report. Proof has also been sent numerous times. 
I have the certified mail receipts and fax transaction reports as well. 
I've attempted to contact by phone and never get anyone who speaks English well enough to communicate with, chat refuses to help with credit reports. I have also been " disconnected '' twice when I call. 
Their website will not show me the results of the disputes I've made and they told me two weeks ago they would send me a paper copy in the mail of my report. To date, nothing received.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stevens Business Service, Inc. (CA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MA XXXX Failed to contact me about a debt, has no record of contact. I called today after noticing collection on credit report, and verified that they have no record of having contacted me. 

Claims to be in relation to a gas bill. Can't find record with XXXX XXXX.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

In XX/XX/2019 I settled this debt with XXXX credit systems. I do not owe this debt. I C Systems has made an attempt to collect a debt that wasn't mine previously and I've had to contact them about it. The debt was removed. I have never done business with IC Systems.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates (CA)

We received a letter from XXXX XXXX XXXX XXXX XXXX. threatening to sue our office. The fax number listed on the letter is for White, Jacobs & Associates. The letter stated that the attorney was  licensed in Texas, Colorado, Georgia and Washington, DC. Our research revealed that the attorney is suspended in Texas, Colorado and DC. We called the phone number for the attorney found on the Georgia XXXX XXXX and spoke with the attorney, who stated he is no longer practicing law and that the letter is a forgery. I called the telephone number for White, Jacobs & Associates found on their website and, using the dial by name directory, was connected to the extension for the attorney, XXXX XXXX XXXX. The recording stated that his law practice is permanently closed. I then transferred to an agent, who acknowledged that they sent the letter and then, after placing me on hold, came back and said that he spoke to the attorney, who said that we need to communicate only in writing. Clearly this is not true. This company, a credit repair organization, is committing interstate fraud.
Consumer complaint received 2019-11-04
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (FL)

I received my bill from Care Credit ( Synchrony Bank ) and I thought it was too high. I called the number on my bill and was told they couldn't tell me. What? I have never had a credit card that was unable to tell me what I charged! 
I was told to call the merchant but they didn't know who that was! I tried to get on their website, but just went in circles. Now I am afraid to pay it off after this experience.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2019-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OK)

This is my second complaint with Navient. I feel like I am out of options. Navient acknowledges that I am totally and permanently XXXX. My federal student loans have been discharged through XXXX discharge. Navient has adjusted the interest rates on the loans taken out before what they consider my date of XXXX, but not the one taken out a few months later. Currently, as they are aware, my only source of income is SSI, which is {$770.00} a month, and which I will start receiving XX/XX/19. My monthly Navient payment, despite the " adjustment '' is {$240.00} pet month. This is 31 % of my already low income, so you can see how it is impossible for me to pay and still survive. My condition is not expected to change in the future ; I will never be able to pay {$240.00} a month. I have been in forbearance for months, borrowing the {$150.00} to keep them off my back, but I have no more forbearance time and they are calling every hour. I'm also pretty sure it's a robocall, because it takes a minute after I saw " hello '' for it to connect to a human, but that's a whole other issue.
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. (GA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

AS OF TODAY, XX/XX/XXXX I HAVE RECEIVED NO INFO NOR WELCOME LETTER AS REQURED BY LAW FROM MY NEW MORTGAGE COMPANY ( SHELLPOINT MORTGAGE SERVICING ) WHO OBTAINED BY HOME LOAN FROM XXXX ON XX/XX/XXXX DUE TO THEIR BANKRUPTCY FILING. 

I HAVE NOW MAILED TWO ( 2 ) SEPERATE MONTHLY PAYMENTS TO THEM BUT HAVE NO LOAN NUMBER OR ACCOUNT TO DATE. PLEASE HAVE THEM RECTIFY THIS PROBLEM BY SIMPLY WRITING ME TO INFORM ME OF NEEDED DETAILS AND TO DISCLOSE THEIR OWNERSHIP OF THIS MORTGAGE. I HAVE NOTED THE OLD XXXX ACCT. NO. ( XXXX ) IN THE MEMO SECTION OF MY CHECKS. 

THIS TYPE OF TRANSFER WITH NO DISCLOSURE TO THE CLIENT INVOLVED IS TROUBLING, ESPECIALLY CONSIDERING THE COMPLAINTS I HAVE READ REGARDING THE BUSINESS PRACTICES OF THE NEW MORTGAGE HOLDER/SERVICER FROM OTHER FORMER XXXX CUSTOMERS.
Consumer complaint received 2020-04-27
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. (NC)

Installment account reporting to my personal credit report was removed recently this month. The removal of this account affected my length of credit history and oldest account, resulting in a negative affect to my credit report. Would like this information to be added back to my credit report as it is accurate and correct information. I have also asked the data furnisher to resubmit the information to transunion.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CT)

At the beginning of XXXX, I receive a statement from Nordstrom and the amount was XXXX. I checked the details of my transactions. I did not used this card to buy anything. Someone used my information to purchased stuffs in the store. I called them to file a report, and canceled my card on XX/XX/, 2019.  However, they did not solve the problem. They said I needed to send a document to update my case, and I sent it twice. They told me they didnt receive it. I always caring about my case and kept following. They told me all the thing I needed to do is wait. The statement was increased month by month. They just holding my case, and they couldnt do anything about it. I was so frustrated and disappointed about Nordstrom. It was a fraud statement, but Nordstrom was holding my case.