davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lake Area Collections, LLC (FL)

I have asked Lake Area Collections to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-11-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (VA)

I had a lease with Ally Financial for a 2012 XXXX. The lease payments were made in a timely manner and the vehicle was returned. There was damage and that was paid timely. There arose a dispute about the return of headphones with the vehicle in the amount of {$110.00}. That dispute continued for months with correspondence being exchanged. Eventually it wasnt worth it so the balance was paid. Ally reports now the {$640.00} was charged off, while at the same time saying that the account is paid in full. The charge off is affecting my credit. I have disputed it with XXXX but they have denied it because of Ally. I have contacted Ally who confirms the account is paid in full but they refuse to change the charge off. It is absurd to say they charged it off, the incorrect amount to begin with, and then acknowledge that the acoount has been satisfied.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (IL)

Mortgage company is not sending out my statements following a chapter XXXX. Company insists statements were sent out since XXXX. Spoke with XXXX in Bankruptcy Dept. who was extremely rude. Unable to make payments on-line and they are charging me {$15.00} to pay over phone. Been paying over the phone ever since last year and was never charged a fee. XXXX tells me she has no way of seeing if I 've been charged a fee and can only see what I 've paid. If you can see what I 've paid then you can tell if I 've paid a fee. She had no desire to do her job. I have not been receiving my statements and continue to incur late fees as a result.. Contacted them and they say statements are being sent out. The worst mortgage company to deal with. Automated system does not work properly. Employees are rude. Can not get away from this company
Consumer complaint received 2024-08-29
Product: Credit reporting 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: EQUIFAX, INC. (NY)

Equifax dropped my credit score by XXXX points on or around XX/XX/2024 for no reason. 
My balance had actually decreased then which should have resulted in an increase in my score.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (MN)

I have wrote to Barclay multiple times to have them remove me from their mailing list. I continuously get emails from them and have requested for them to remove me after every harassing email. I was told by the secure message center that they can not remove me from this. I do n't understand how they can not remove me. I NEVER signed up for these harassing emails in the first place so someone had to add me to this list and I want that person to remove me from the harassing emails. It is ILLEGAL to continue to send these SPAM emails to an individual after they have requested to be removed. So I will give them XXXX final chance to remove me from the mailing list. Next recourse will be to report them to the FTC and/or the state XXXX. Additionally, I will be informing my internet provider of XXXX XXXX that this company is sending out SPAM emails. And I will submit a claim and complaint every time I am sent a harassing email so that all actions are documented. Thanks.
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (CT)

In XXXX I found out through being Executor of my Mother 's estate that there were outstanding federal student loans in my Name that were in default. I made arrangements through the Estate Lawyer ( XXXX ) to make payments to the Debt Collector Transworld System. At the time of the agreement, I was told that if I made 10 consecutive payments I would exit the default rehabilitation program. It is now 15 payments with no word from either Transword of the Dept of Education as to exiting the Default program- with my hope to have a more favorable monthly payment. I have called Transword twice and was told that my account would be transferred to US Dept of Education no later than XX/XX/XXXX That has not happened and I just got another notice from Transworld of their intention to deduct another payment on XXXX/XXXX/XXXX. 
Recently, my company told me that my job is being outsourced by the end of XXXX, and I will not have the financial resources to pay what I am currently paying. 
So in the end, I need my account as stipulated at the beginning out of collections as I have more than satisfied the requirement of 10 months. As of this writing it is now 15 months. 
With the prospects of being unemployed I do need to engage the US DEPT OF EDUCATION to renegotiate the amount I can truly pay given the change in employment. 
XXXX Borrower # XXXX
Consumer complaint received 2017-06-05
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. (MI)

Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MO)

My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. 

As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. 

I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... 
Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... 
That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. 
This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX/XXXX/XXXX we submitted a short sale package with the Buyers XXXX Docs included. Ocwen has done nothing in two weeks, and are now demanding that the buyer remove the word " XXXX '' from line # XXXX of the Articles of Organization that were filed with Secretary of State - State of California on XXXX/XXXX/XXXX ( see attached XXXX docs ) - OR that we provide Corporate documents for XXXX - which is not possible, since they are not a purchaser in this short sale. 

We have already explained that XXXX is the Service of Process, and this can not be changed. 

Ocwen may not dictate who the business entity would like to use to receive service of process in case of suit. It is clear that XXXX is not a part of the buyer 's XXXX, as they are not listed in exhibit a of the Operating Agreement, nor anywhere else in the Operating Agreement. 

This is undue interference with a business entity.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Technology Incorporated (OH)

Collections Technology Incorporated called me regarding my sister 's debt on my cell phone line. They were extremely pushy on the phone. 

The XXXX specific individuals from the company that I spoken with were XXXX XXXX XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX. His supervisor repeatedly belittled me and my knowledge of the law. 

The company 's phone number is XXXX XXXX XXXX XXXX and the individual 's extensions were included above. The time of the call was XXXX XXXX ( XXXX ) on Monday, XXXX XXXX, 2016.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I was sold blinds by a representative that came to my home and offered financing through my macy credit card. The service is Macy 's XXXX. After several weeks of having this order on my credit card - and the rep telling me that they had a problem getting an installer out - the blinds were installed. The installer claimed he was " afraid '' to get on the ledge ( XXXX story vaulted ceiling ) which was XXXX apparent to him and the sales rep when they sold the blinds. He poked a hole in the ledge while he attempted to install them hanging from a ladder with no assistance. I complained about the hole and sent photo within 24 hrs. It took several weeks and the SAME installer came out - claimed he was waiting to install until he could find someone to help but never did. This took multiple phone calls to get to this point, all the while - the sales rep REFUSED to give me the name or contact of her direct supervisor. She just kept citing " customer service '' would be in touch. The blinds were over {$1000.00}. and it appears the replacement set was cut incorrectly as they are " short '' about XXXX inch. I have been sent to the original manufacturer of the blinds - " XXXX XXXX '' who acknowledged after being sent a photo of the replacement blinds that in fact - they did appear to be short and was offered {$75.00}. credit to go away. I refused citing I wanted the blinds that I paid for and she committed to have someone out within 3 days to see if there was anything that could be " done ''. I have called, emailed with NO RESPONSE. This was nearly 3 weeks ago. I feel that I was frauded as there was no disclosure that I would be dealing with a 3rd party company AND no disclosure there were issues with having someone to install. XXXX cites to me - they merely do not have anyone in my area to resolve this issue. The closest installer is XXXX miles away. This has been going on since when I placed the order in XXXX. I am contemplating a lawsuit as well - I want my money returned and off of my Macy 's charge as I am paying 25 % interest on this.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I closed my Chase checking account in XXXX by sending Chase a letter via mail. Chase conveniently ignored the account closure request so they can charge low balance fees. They have twice charged me low balance fees on an account that should be closed.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

My daughter took out private loans from Navient XXXX. After struggling to pay even the principal, her loans ( XXXX ) add up to over XXXX with the interest to date. My daughter has filed bankruptcy 2 times but still the interest rate accumulated is a staggering amount. I am consignor of XXXX of the original loans amount of approx XXXX XXXXXXXX, now is up over XXXX XXXXXXXX! She is unable to pay so they are coming after me. XXXX XXXX XXXX XXXX and live on social security. Please advise on how and what I can do. This type of loan pirates should be illegal. My daughter will never be able to buy a house, car in her life time because of this. Im saddened to know that I helped her accumulate these loans. I didnt know the difference between private and government loans. I have failed in my attempt to help my daughter to success.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo engages in criminal misconduct with the management of my account. Furthermore, Wells Fargo does not comply with banking regulations with respect to handling consumer disputes. More to the point, Wells Fargo Bank flat out lied with respect to XXXX ( XXXX ) disputes issues with the bank. See attached. The disputes specifically surrounded " Goods or Service not as advertised/described/expected, '' or otherwise criminal in nature or not within the stream of commerce regarding expected behavior. Wells Fargo, which is Woke aligned, or otherwise criminal in nature, responded a few short days later, alleging that the " Items were authorized. '' This is a misrepresentation. Furthermore, as of XX/XX/year> Wells Fargo has, now, refused to allow me to initiate a dispute against the same criminal actor XXXX  ( XXXX ). These actions, again, are criminal in nature and entirely inconsistent with consumer/banking regulations.
Consumer complaint received 2024-09-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Round Up Ventures, L.P. (AL)

Sent to XXXX XXXX XXXX first as they were collecting on the account. They never responded and its been over 30 days. I reached out to XXXX XXXX group and they informed me they are not handling this account anymore.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MI)

Husband and Wife owned their home. XX/XX/XXXX, wife passed away. At that time husband believed that the balance on his mortgage loan had been paid down to approximately {$30000.00}. Not more than a few weeks after his wife passed away husband noticed that XXXX XXXX XXXX, XXXX was drawing money from his bank account. After being stonewalled by various XXXX representatives, husband discovered after going through some of his wife 's old mail that XXXX was claiming his deceased wife took out a loan for approximately {$80000.00} and XXXX claimed a mortgage on his Home for that amount. Any corresponding loan that his wife entered into does not bear his signature ; accordingly, any mortgage that XXXX placed on his Home was also forged and therefore void ab initio under Michigan law. Over a period of 7 months immediately following his wife 's death, husband continuously sent letters to XXXX indicating : that his wife had passed away and therefore XXXX should stop sending documents addressed to her ; He had no knowledge of the alleged loan ; He had never authorized the Mortgage on his Home ; and Demanded XXXX to remove the Mortgage at once. 
Effective XX/XX/XXXX XXXX XXXX XXXX became the Loan Servicer. U.S Bank is the assignor of the Note and Mortgage. Husband sued U.S Bank. and XXXX XXXX XXXX to discharge the Mortgage. Husband and U.S. Bank entered into a Settlement Agreement, U.S. Bank failed to live up to its end of the bargain, and the Court dismissed the case. U.S. Bank has failed to take any actions to resolve the dispute. Husband continues to maintain that the mortgage is forged and therefore invalid. However, on XX/XX/XXXX, with full knowledge that the mortgage is defective, XXXX XXXX XXXX, through XXXX XXXX published a Notice of Foreclosure Sale By Advertisement, with a sale scheduled for XX/XX/XXXX - this sale is unlawful.
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had credit card debt roughly {$3000.00}. My debt had been transferred to Portfolio Recovery Associates ( PRA ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX XXXX BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX XXXX XXXX XXXX BANK, which was another debt with PRA which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned Portfolio for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (CO)

I have requested through my current lender that I would like the PMI removed from my current loan and have had difficulties in getting this resolved. I finally received a letter from them and it required me to pay a {$470.00} fee for an appraisal. I paid this fee and have waited and just received an email stating it will now cost {$1400.00} for an appraisal to see if the value on my property has increased to remove the PMI. This is not acceptable.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

Experian is reporting information on my credit file that is clearly inaccurate and unverifiable and by law it has to be deleted. 

I am asking you to adhered to the law and removing these negative account. 

I have provided infallible proof.