davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (IL)

Several related complaints : 1. XXXX , XXXX purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for XXXX , XXXX. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
3. Mandarich Law Group somehow became the new debt collector, taking over for XXXX , XXXX. in the collection process. 
4. Mandarich Law Group began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XX/XX/XXXX I spoke to Mandarich Law Group and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked Mandarich to note my account with the following information : The payment for {$250.00} that was received on XX/XX/XXXX must have been from my XX/XX/XXXX paycheck. On XX/XX/XXXX and XX/XX/XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

Hello My name is XXXX XXXX and I have a XXXX XXXX XXXX XXXX through Santander Consumer USA. I got the truck back in XXXX and had some financial hardship when my got sick and had to stop working. The vehicle was repossessed but they gave me ten days to get it back. They told that if I paid the past due balance that I could get it back in good standing so that 's what I did. This past XX/XX/XXXX I was trying to purchase a home when I found out that they charged off on the loan and wrote it off as a bad debt. The truck is still in my possession and I 'm making payments on it.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (AL)

This debt collection is related to a disputed water bill with the City of XXXX. The original dispute was filed in XXXX and has not been resolved. Timeline of the dispute is : Bill disputed was XXXX/XXXX/XXXX Original dispute was sent via e-mail and phone call XXXX/XXXX/XXXX Told to contact department via phone which I did. Was told to wait while the bill was disputed XXXX/XXXX/XXXX - Sent e-mail that the bill was being review by billing department Follow up sent on XXXX/XXXX/XXXX E-mail received from watershed management on XXXX/XXXX/XXXX informing that the " Your account has been expedited to a Customer Service Manager for further review. Once your account has been reviewed you will receive an e-mail with the results '' Another follow up sent on XXXX/XXXX/XXXX Left property on XXXX/XXXX/XXXX Collection filed by the City of XXXX on XXXX/XXXX/XXXX. Did not receive notice of collection.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for Because of 2 remarks being removed offmy credit. its no fair for a student loan place to change remarks every week and im losing XXXX points a week. not one soul in American lost XXXX point to XXXX points every month. it's a glitch in the system or they are. They just corrected the XXXX points and then two days later they took back XXXX of the points. 
after telling you guys, they fixed the issue. I strongly feel im being discriminating against me as an XXXX XXXX  woman. I asked around to multiple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX. please restore my points AND the other ones i was cheated out of. im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.
Consumer complaint received 2016-07-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

People 's United Bank mortgage scheduled to close on XXXX/XXXX/2016. Closing pushed back because of delayed appraisal report. Rate lock@3.25 % expired XXXX/XXXX/2016. No extension was singed or filed with lender. ( Loan officer on vacation ) Lender verbally explained rate lock would float without an extension and I would receive current market interest rate if no extension was filed. Closing disclosure dated XXXX/XXXX/2016 for XXXX/XXXX/2016 closing has old expired locked rate of 3.25 % current market rate decreased to 3.125 %. Lender refuses to honor current market rate of 3.125 % for XXXX/XXXX/2016 close. Lender refuses to show proof of People 's United Bank rate lock policies that state after my rate lock expired I am not eligible for the current market rate. Lender refuses to give supervisor/directors contact information so I can receive documentation of rate lock policies. Lender is predatory lending and not adhering to bank policies in order to increase profit by closing on a mortgage with a higher interest rate.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have several two credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids XXXX and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Consumer complaint received 2016-11-01
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings (AL)

Lender deposited check before time I was told it would be deposited. Funds were not available and check was sent to collections. Lender then deposited check and withdrew full amount after I made a payment arrangement with collections department. Collections department was also rude and gave no option to pay back loan, although I insisted I needed a due date closer to my payday.
Consumer complaint received 2017-01-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation (TX)

I was attending XXXX college still in my first term before they decided to close their doors. They encouraged me to take out a loan from a company named asfg. The loan amounts to XXXX with 12 % intrest. I did not get to complete my first term nor did i receive any credits and they are still holding me liable for the loan. I do not believe i owe for the loan taken out for an education i did not receive.
Consumer complaint received 2017-01-11
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Partners Financial Services Inc (OH)

First, I attempted to contact a technical college called XXXX XXXX XXXX XXXX XXXX that I attended for a short time in 2013 due to a debt appearing on my credit report. I have found that the company/college has since gone out of business. 

Next, I attempted to contact the collection agency listed on my credit report which is Partners Financial XXXX XXXX XXXX Fenton MO XXXX ( XXXX ) XXXX. While speaking to the agent about this debt, I asaked how I could contact the intended payor from their account trying they were trying to collect for. 

What then happened the agent was rude stating that I already contected this charge. The agent abruptly stated that since I attended the college, I owe the debt. 

When I asked who they were going to give my money to since the company they are collecting for is defunct, stated " The XXXX XXXX XXXX XXXX ... '' I asked again how are you going to give money to a company that no longer exists? 

I then asked for the information of who the debt was being collected on the behalf of and the individual would not provide me the information and then I was put on hold and no one returned. I then called back and was then transferred to a mail box. 

In conclusion, I believe that the debt was being collected fraudulently. Second I believe that I have no recourse with the entity that states I owe this debt because it is now out of business. The agency attempting to collect the debt may be a forgery and or scam because the lack of transparency. 

This agency has attempted to call me numerous times in order to attempt to collect on a bill that I believe they are illegally attempting to collect.
Consumer complaint received 2017-01-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Health Corporation (KY)

I have a bill from XXXX and XXXX specialists XXXX started at {$800.00} I paid payments on time every month. The balance now is {$140.00}. I received a letter from hillcrest credit agency on XX/XX/XXXX17 stating that my account was turned over to them for XXXX. I have until XX/XX/XXXX17 to pay all of the amount or they will turn this over to the credit bureau thus harming my credit. I called the XXXX specialists and spoke with a manager that told me that the billing manager was out her name is XXXX. This manager told me that XXXX had sent not only my account but other customers bills as well on accident and that my credit would not be harmed due to their error. I spoke with hillcrest credit agency they did not confirm this information and stated that it would be turned in as of XX/XX/XXXX17. 

XXXX specialists XXXX XXXX and XXXX hillcrest credit agency XXXX and XXXX
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (FL)

I attended XXXX, PA from XX/XX/XXXX-XX/XX/XXXX. During this time my school misrepresented job placement rates for many of their programs of study and violated federal law. I was forced to go with a high interest private student loan ( 14.9 % ) through XXXX XXXX, which was a institution owned by XXXX. I was supposed to receive a letter by XX/XX/XXXX if i was included in this settlement. I never received one yet i am a victim. I have contacted Universtity Accounting Services about this and they neglect to answer my question. This complaint pertains to complaint Case : XXXX Document # : 1 Filed : XX/XX/XXXX XXXX XXXX of XXXX PageID # :1.
Consumer complaint received 2017-08-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (NY)

This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for XXXX XXXX. This collection agency continues to try to collect and has put negative information on my report.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

US Bank is my mortgage company. I live in XXXX XXXX Texas XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had a fence burned up in a wildfire XXXX XXXX and my XXXX company has sent me a check for {$20000.00} and it is made out to US Bank and me. US Bank had previously told me they would sign and release up to {$20000.00} so I could move on with the repair work to the fence. There was no damage to my home, the only damage was a burned down fence around my XXXX acres. I have a XXXX who lost over {$100000.00} of livestock ( drowned in the floods ) who needs the work, but I ca n't get him started because the insurance check is {$760.00} over {$20000.00}, US Bank is wanting a XXXX, and notarized forms including a release of lien commitment form, another signed contract form, and then will require inspections on the fence. This is in a XXXX XXXX that was decimated by XXXX, and there are not going to be inspectors for this. Also, this is a ranch hand that will be repairing the fence, not some white collar guy who fills out paperwork, not to mention finding a notary in a rural community. I called US Bank for the XXXX time because it had been over a week since my initial request for an exception and no one will approve the release of the funds. I tried to complain and asked to speak with someone higher, and if there was an XXXX XXXX XXXX, I was told she had never heard of that and that the issue was being escalated to corporate and it would take another week. I was told that US Bank reviews exceptions on Tuesdays & Thursdays only and that I would just have to wait for my answer. Not only was my request not approved yet after a full week, now I can not even call anyone to escalate a complaint. This seems like very poor service/treatment. Please help me understand why a person ( who is in a XXXX declared disaster area from the worst flood in Texas history ) with an XXXX FICO with under 80 % XXXX who has XXXX missed payments with over 30 years of mortgage payment history can not get a {$760.00} exception to policy approved?
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My ex husband XXXX XXXX XXXX mortgaged his home on XXXX with Chemical Bank. On XX/XX/year> he quit claimed the property to me. He passed away on XX/XX/scrub>XXXX XXXX  I spoke with Chemical Bank at that time. I was told that as long as the payments were made, the mortgage would stay as is. On XXXXXXXX  received letter requesting proof of insurance. Had insurance FAXed to bank by agent. Another letter dated XXXX Spoke with XXXX. Another proof sent. Went to local bank several times to take copy of insurance. XXXXXXXX  another letter. Insurance agent sent another copy of insurance ( FAX ) XXXX. XXXX Hazard insurance added by bank. THis was not necessary as house was insured. 
Increased payment {$430.00} to XXXX. I spoke with several people at XXXX, MI branch. Each time I was told insurance issue was taken care of. I spoke with the attorney that had written deed transfer. She suggested that I write a letter and send copies of Insurance again plus tax receipt and deed which I did. Now a Notice of Intention to Accelerate and Foreclosure. Every time I call the Bank, I am told they can not speak to me. I am trying to get a payoff. XXXX payment returned in ex husband 's name.
Consumer complaint received 2017-07-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NJ)

Santanders response to the previous complaint is blatantly false.
Santander modified my loan on  XX/XX/XXXX please see attached documents.
On  XX/XX/XXXX  my car was repossessed. The repossession fees were {$460.00}, the car was picked up on XX/XX/XXXX . On  XX/XX/XXXX  Santander confirmed the new payment and payment date and receipt of the modification ( see letter ) The letter regarding the sale of the vehicle was never received by me.          
Santander not only owes me the repossession fees of {$460.00}, they also owe me an additional {$1800.00} for payment overrage. I had an atty. look over my modification documents and it was suggested that i was overcharged in the {$1800.00}.
 XXXX 
This is calculated at {$66.00} per month starting  XX/XX/XXXX  to  XX/XX/XXXX .
my payment at the  10.14  apr should have been {$200.00} instead Santander charged me {$270.00}.     
They are a rip off company that overcharges their customers. The y should be fined for there Fraudulent actions.