davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I had a contract with a small XXXX XXXX that XXXX XXXX calls to/from XXXX XXXX XXXX was bought by XXXX & my coverage plan was grandfathered in In XXXX Suspended cell for 2 months while traveling internationally Called to reactivate Agent offered better plan instead I repeatedly CONDITIONED acceptance of NEW PLAN on continuation of free service to /XXXX XXXX Agent repeatedly assured me it would be free Months Later found out she thought XXXX XXXX was part of XXXX XXXX & incorrectly Made repeated assurances it was free Got 1st bill in XXXX XXXX XXXX they had billed me extra - i paid base fee - they wrote off $ XXXX & said they would fix it Next month bill was {$400.00} too much - wrote off excess again & said they would fix it Next month was $ XXXX too much This time they refused to write it off After many hours off verbal & written communication They explained they could not reactivate my original plan I refused payment - they sent it to collection 7 years later Now on XXXX or XXXX collection agency This was a bait & switch & i want it OFF my credit reports
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

We spent 11 ( eleven ) years living in a apartment in XXXX, XXXX called " XXXX XXXX XXXX '' at the address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX we returned the keys. They refused to inspect the apartment with us and return the deposit we had paid 11 years earlier. 
We learned much later that two months after we left, in XXXX XXXX, they reported to the Experian credit agency that we owed them {$400.00} and we refused to pay. In XXXX XXXX, we received a letter from them to pay {$400.00}. No explanation, just : " send a check for {$400.00} ''. 
I ignored them. Eight months later, XXXX XXXX, I received a letter from someone who claimed to be debt collector by the name " XXXX '' in XXXX, XXXX to send him a check for {$400.00} plus {$20.00} for his pocked. I asked for an explanation : who wants me to pay money to whom and why. He send a list given to him by that apartment business headquarted in XXXX XXXX XXXX, XXXX. 
The list started with an amount of {$94.00} for which no reason was given as to why I should pay. Several entries followed with preposterous reasons given why I should pay. The list ended with the entry " Tax : {$5.00} ''. 
I asked why they thought I owed them that money. This was preposterous, in a Court of Law they would be thrown out by any Judge. The so-called debt collector sent me a copy of out last lease. I did not respond. I did not pay. 
In XXXX XXXX, we tried to get a loan to buy a house. This is how I found out that that apartment business from XXXX had reported to Experian that we owed them money and that we refused to pay. And they had done so two months after we left and had no idea that they wanted me to pay money to them. 
Around XXXX XXXX, I wrote a long letter to Experian disputing the entry in my credit report. Experian asked for evidence. I sent them the evidence. Experian responded by sending a printed leaflet " Your rights as a consumer '' and moved the negative entry in their record from XXXX XXXX to XXXX XXXX. That is in the month in which they broke the law. Which says that they have the obligation to investigate within 30 days and publish the results. A look at the list is sufficient to know that the owners of the " XXXX XXXX XXXX XXXX '' and/or their representatives and also " XXXX XXXX XXXX '' are criminals. They demand from me to pay money and they refuse to say why. And Experian co-operates. This makes the Experians criminals too. 
In the meantime I have been told several times by many different people that especially Experian does business with so-called debt collectors extorting consumers and make big money together. Why did Experian move the entry from XXXX XXXX to XXXX XXXX?
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (OH)

Our vehicle was totaled in XX/XX/2016. We have been waiting on the insurance to pay. The insurance payment was made XX/XX/XXXX in the amount of {$22000.00}. We had Gap insurance, which was to cover the remaining portion. The gap insurance payment was on the way. I called Chase a spoke with a representative on XX/XX/XXXX. I also sent the gap breakdown. The representative told me I would still owe {$140.00} after the gap insurance. I paid this on the phone that same day ( XX/XX/XXXX ). On XX/XX/XXXX I noticed the account still had a balance. I sent an email ( which they never responded to ) asking if there was an issue and to confirm receipt of the gap insurance money. On XX/XX/XXXX Chase reported a delinquent account to my credit report. I called Chase on XX/XX/XXXX and a representative confirmed that they received a payment of {$1500.00} from the gap insurance on XX/XX/XXXX. He said it would take 2-5 business days to process. I called back on XX/XX/XXXX twice and spoke with two different representatives ( ID # XXXX & ID # XXXX ). I asked them why it only showed a payment of {$930.00} was made when I confirmed that they received a check from the gap insurance for {$1500.00}. I asked them where the other {$590.00} was at. Neither could explain and said they would look into the issue and call back. I never received a call back. My Chase account shows a balanced owed of {$410.00}. However, there is {$590.00} of the insurance money that is unaccounted for and no one from Chase will explain or call me back. I sent another email today and still have not received a response from them. Not one Chase representative that I have talked with has been able to assist me with getting this account paid off, but yet they reported my account as delinquent to the credit reporting agency. From what I can see, they owe me money back.
Consumer complaint received 2016-09-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MD)

I received an email from a law firm yesterday XXXX stating that I have an outstanding balance with ACE Cash Express for {$850.00} which is the settlement amount. It notes that I am being sued by the court. I called Ace Cash Express and I am not in their system at all and this is probably a SCAM. 
The law firm is located in XXXX and the Sr. Officer 's name is XXXX XXXX. In the email which I will attach as a document, says that I am to only respond by email and the call back number for XXXX XXXX is XXXX. 
I have contacted the law firm in XXXX regarding this matter but no response yet. 
This is ridiculous.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I 'm considered " XXXX '' which means i did n't need to pay for classes up until the age of XXXX while attending any state college. I have never agreed to pay Navient and if any loan does exist, then the state is responsible and not me for this loan. XX/XX/XXXX i after receiving many unknown calls, i finally called back and spoke with a representative who advised that this particular account was past due. I was advised to register for classes to at least half time to avoid this account from negatively impacting my credit reports. i agreed and customer service representative advised on a recorded line that a forbearance was taken care of and i would be be placed back on deferment and no negative reporting would take place. Mind you, i have no knowledge of loan because i was n't responsible for paying for school. This was not done, as a result, a negative reporting was placed on report. XX/XX/2016 i called in after getting harassing emails and advised that i registered for XXXX college, but my account was set for non degree seeking and i was mistakenly dropped from courses. I did advise that i was registered for real estate class and was yet again assured that was fine and they would remove any pass due payments and no late reporting would show.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a credit report from XXXX XXXX 2016 where Transunion shows that there are XXXX inquiries on my credit report. Then, on XXXX XXXX, I pulled another credit report and Transunion has placed XXXX inquiries on my credit report. They claim it was a glitch, but when I called, the representatives lie and say my credit report was not affected, but I have the proof. I was hung up on by XXXX representatives who refused to transfer me to a manager, or anyone in the USA. 
The violated the Fair Credit Reporting Act, Section 611 ( B ) ii which states any deleted information ca n't be re-inserted unless they notify a consumer in writing within 5 business days. I was never notified. They just blatantly broke the law. 
These are the inquiries that were deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

i have contacted Exqufax numerous times in their Exective office each time I am dealing with a XXXX who is not taken my complaint serious I sent a certified Letter asking for the help of the General Counsel and was told by the XXXX Operator I was n't getting anyone, they block my number I have to block theirs to call, they have XXXX inquires that should not be when auto shopping only XXXX is to count against my fico score they are counting all of them, XXXX is not, I feel because I am white they are not helping me, they are not taking off duplicate student loans the government purchased the loans they can see this but yet after I filed bankruptcy they still insist on reporting the negative duplicate student loans XXXX back from 1993. I have ran numerous discrepancies I feel they are not helping due to my race. They are making my health worse I have XXXX and XXXX they are rude and do not do the job they are supposed to do, I feel if I where XXXX they would help. 
certified letter when out two weeks ago still not contact and tried to call the operator again she told me I was not talking to anyone, now since I told them I thought this was a race issue they blocked my number, so you figure it out, only XXXX work there except for the executives, and the customer service, the executives office is all XXXX the operator is XXXX and she hangs up o on you and does not care, I have phone records to prove this, I want this XXXX off my credit, the auto shopping I should not have XXXX different ones each counting and lowering my score,
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAINE & WEINER COMPANY, INC. (PA)

My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

For the pass 2 years my wife and I have been applying to modify our loan with XXXX XXXX XXXX and Seterus. We were only 2 months behind in XXXX 2014 with XXXX XXXX XXXX and they would not except them because I was 2 weeks late on my third payment. That 's when I ask them for help with the mortgage. After filling out XXXX modification packages with no results, now they passed the loan service to Seterus. I 've filled out another loan modification package with them. We feel we 're getting the round a round again. We are sick of this abuse with these banks who we bailed out, now they think they are high an mighty that they can waste our time and tax dollars by giving us the run around and not help us. My wife is not able to work due to being hit by a car 7 years ago. She has a broken back and is still not able to work due lots of pain with movement. I was lay off from XXXX XXXX government job that I 've worked for 7 years. It has not been easy trying to find any job these days. That 's why we 've been asking for help with the modification of our home mortgage so far no help. The house is in foreclosure and my wife Social Security Check pays a lawyer to keep us in the house. We do n't know what else to do. We have income coming in with the side jobs I do here and there, my pension check and my dad who is living with us due to being ill helps us every month with his pension and social security every month. Is there anybody out there that can help us with this matter?
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (TX)

I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (MD)

I filed a complaint with CFPB XX/XX/XXXX and again XX/XX/2016 [ Case number : XXXX ] about a bill from XXXX that I did not incur. 

XXXX agreed that the bill was done in error and contacted their collection agency - FOCUS RECEIVABLES instructing them to cease collection and update their records. Despite numerous requests to remove inaccurate information, FOCUS RECEIVABLES continues to submit information to the credit bureaus that they know to be inaccurate. I had my attorney submit a letter to FOCUS RECEIVABLES XX/XX/XXXX. However, as recently as XX/XX/XXXX they ( ONCE AGAIN ) Submitted false data to the credit bureaus.
Consumer complaint received 2017-01-06
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (MD)

I bought XXXX XXXX gift cards issued by U.S. Bank at XXXX on XXXX/XXXX/2016. When i attempted to use them, i got error " not authorized ''. When I called number listed on cards for customer service XXXX i discovered that cards were registered with someone else name. That means they were stolen from me. 
I was advised to fax supporting documentation ( cards front and back, receipt etc. ) to Stolen Replacement Card Request at fax number XXXX. I tried multiple times to fax documents to that number. The fax never picked up and i was not able to fax my documents. I called customer service 3 more times. I asked for a different number, email address or physical mailing address. I was told that 1. there is no mailing address, 2. there is no email address and 3. XXXX fax number is the only way to send information to card services. I am not able to send that information because the fax number that they gave me is not working.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc. (WY)

XXXX University is charging me {$3000.00} after I withdrew from their program, never completed even XXXX course credit. I was told that I could easily withdraw from the program if it did not meet my needs without owing anything. I am paying on Student Loans that were dispersed to them to pay for the couple of months I was enrolled even though I was not participating and still they are wanting to collect this astronomical amount beyond what has already been paid.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (WI)

We had purchased our rental property in XXXX. The loan company at the time or bank recorded the property legal description wrong. We did not find out about this until XX/XX/XXXX when we tried to sell this property in XXXX. We contacted the mortgage company which is now SLS ( specialized Loan Services ) to correct this mistake. This is where the trouble began. They had informed me that it would take them till XX/XX/XXXX to correct this mistake. Over three months for someone to take a look at this. I contacted SLS numerous times, sent an email to there ceo and all I am receiving from them is the run around. They had all the information they needed from the initial contact. 
Now they are telling me I sent paper work to the wrong address, needed to name of the title company before they can proceed. IT is now XX/XX/XXXX and still no answers. 
I lost a sale on this property because they can not get this fixed. Why? 
XXXX
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC (NH)

I opened a Verve credit card through continentalfinance back in XXXX, credit line was {$500.00} min payment {$35.00}. In XXXX when the year came up I closed the account as they charge {$96.00} for a yearly fee and {$60.00} for a yearly maintenance fee. For some reason when I closed the account I was being locked out of my account so I had to some times call in payments and in XXXX XXXX for some reason the person did n't process it correct, when I got a letter in the mail I called and was told they would waive the fee as she said it was showing for XXXX XXXX and I had to make a payment which I did. The one that was scheduled as she said for XXXX XXXX and XXXX for XXXX XXXX. I then called to make my payment on the due date of XXXX XXXX and I was told I had to pay {$72.00} as I was charged a late fee of {$37.00} and they were rude to me and refused to waive the {$37.00} fee saying they can only waive XXXX fee in 12 months which I was n't late, so I do n't see why I should eat that fee. I informed I was n't paying another penny on this account as I am disputing there charge. I spoke with serial people the only person I got info from was a XXXX XXXX who said she was gon na send my complaint to corporate and see if they could waive the fee and told me to call back in a hour. I did and she said they wont waive it. I was then informed I had til XXXX to pay the {$72.00} or I was getting another fee. The account is closed and they charge me {$10.00} a month in a monthly maintain fee which it was {$5.00} when it was opened and they get about {$13.00} in interest. I never made that a issue, but I do n't think it is fair they are gon na mess up my credit for something I did n't do. I asked them to send the {$470.00} I owe to collections as it makes more sense to go that route then to keep getting a {$37.00} late fee a month when I was n't late. They said it does n't work that way. I thank you for your help in this matter. I can be reached at XXXX. XXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (NJ)

I sought out a new ARM loan to replace and re-finance XXXX existing home equity lines of credit ( HELOCs ) that I have at XXXX Home Loans ( part of Bank of America ). After extensive document submission and responses to other subsequent requests resulting in pre-approval, the Mortgage Officer attempted to mis-sell me a new, never discussed fixed rate loan or a fully amortized ARM meaning principal and interest rather than the Interest only ARM I applied for. Furthermore, the interest rate for the previously never discussed loan facility was to be materially higher ( despite having an interest rate lock in place at a much lower rate ) than my current HELOCs, which are to begin their principal repayment periods in 2016. This clear attempt at mis-selling is obviously intended to have me wind up with a product that is n't right for me and more expensive than my current credit facility and whose sole purpose was to generate fees and additional income to the lender with no improvement in my circumstances. What I applied for and was pre-approved for was : Loan Purpose : Refinance No Cashout Loan Amount : {>= $1,000,000} Occupancy type : Primary The contact personnel at XXXX are : XXXX Mortgage Services | Loan Processor XXXX XXXX XXXX | Direct : XXXX and XXXX XXXX Mortgage Services | Centralized Sales | Consultant NMLS # XXXX XXXX ext. XXXX | Fax : XXXX
Consumer complaint received 2016-09-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jvs group (TX)

The company never addressed why they violated the Fair Credit Reporting Act nor the Fair Debt Collection Practices act. After violating the law, now I know who the original creditor finally is and at NO POINT did the original creditor ever speak to me by phone nor did I ever state I would write and send them a cease and desist letter at anytime. This is a fabricated lie to protect the facts of which they violated the law. Again, knowing now who this original creditor is, they communicated by email and are attached. 

NO mail of anykind was EVER received from them. As of XXXX, XXXX, we relocated back to Florida and since relocated back to Texas as of XXXX XXXX, XXXX. If they were running their business correctly, instead of adding frivolous small collections to unsuspecting people, they should have seen where I lived and actually contact me and they would have seen that the issue was address back in XXXX. 

Additionally, when any company or individual starts with " XXXX Based '' or starts adding religion to their explanations, this is for one irrelevant and usually are trying to justify their illegal acts. 

Lastly, look at the attached emails, those are the only communications from them in any capacity and again they are getting their clients confused as it lists a home on sutton place that is not even mine! 

They are a complete disaster. 


XXXX XXXX XXXX