davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Equifax report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX XXXX XXXX, XXXX 's remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX XXXX XXXX, XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Equifax online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX XXXX XXXX, XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX XXXX XXXX, XXXX ( i.e. XXXX ). 

Please pay close attention to the dates. XXXX XXXX XXXX, XXXX opened the inaccurate account one and a half months after the discharge.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?
Consumer complaint received 2016-07-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (NY)

I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I checked my credit on XX/XX/2017 and I had only XXXX accounts listed on my credit report. All the other information and history was gone. I called and asked what happened and the rep could n't answer why this happened. He finally did some digging and said the report has been split and was missing information. Well long story short my information was pieced back together and put back on the report. The negative items had been deleted were gone and now back on. Along with the inquiries that had been previously deleted. I want to know why this information was removed then put back on. My score went from XXXX to XXXX.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NE)

Seterus is trying to charge me for things I am not responsible for. I have sent XXXX disputes and continue to receive a lying response from Seterus. The total amount I disputed was {$390.00}. They finally credited back {$370.00} of my dispute because they were wrong BUT they lied in their letters to me. The remaining amount is {$15.00}. Does n't seem like much because it is n't. It 's the principal now. They received my loan from XXXX XXXX in XXXX 2016. Seterus is charging me {$15.00} for a `` drive by '' inspection of my home on XXXX XXXX 2016. I did n't request this nor should I be responsible for the `` drive by '' inspection. I am not in default, I am not in foreclosure, I have never made a late payment with Seterus either. They have declined my dispute 3 times now. I am now filing complaints against Seterus becuase they are horrible!!!!!!! Their customer service is less than adequate and they argue over the phone with me. Then they tell me they only respond to written disputes. I am DONE with them and I will NOT pay the {$15.00} ....
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

I have been calling all day trying to make a payment, and the representitives continue to ask me personal questions that I should not have to answer and explain every time I call, I had a serious automobile accident in XXXX and have been behind on my payments evry since, it was 3 months, now Im down to just XXXX payment behind, I am asked XXXX personal questions every time I call and the represetitives act like debt collectors, very rude, will no transfer me to a supervisor, disconnect my call, etc, this is not professional, and I have spent over an hour trying to make a singke payment which should be a simple process, this is not acceptable
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (NJ)

I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.
Consumer complaint received 2016-09-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I sold my house in a short sale and the mortgage company did not provide me with the relocation incentive. At first they said it was taken to pay off liens on the property but one of the liens was not paid because a release was issued on the lien. After I informed them about this they no longer have any excuses and are not offering any.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I am currently disputing One Main Financial with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of XXXX months ago and on to XXXX after it has already been deleted and the executive director of One Main was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit. I have never had an account with One Main Financial and all accounts they have posted on my credit reports need to be removed immediately!
Consumer complaint received 2016-07-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc (FL)

PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over {$99.00} are advertised as 6 months no interest, no payments. Purchases under {$99.00} must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under {$99.00}, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over {$300.00} even during months when no new purchases were made.
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Step Group, LLC (ME)

I believe this is a collection company which I have already spoken with about a debt, they are continuing to call multiple times a day on both my home and cell phone. I have asked them to stop calling my cell phone three times now and I just received another call. Noone is there when I answer and it disconnects. 
They have tried to call my cell phone XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX ( this was when I asked them to stop calling my cell phone ) XX/XX/XXXX at XXXX
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Finance company reposed my car claiming my payment was {$70.00} short now I must pay tow fees of {$250.00} this is after being told by their employee in XX/XX/XXXX that I only needed to pay $ XXXXthen and another XXXX which I did because I was late with the payment by 3 days. Now when I call back speaking with XXXX different employees ( XXXX, XXXX, XXXX ) I get XXXX different amounts that I need to pay to get my car back. When I ask for it in writing because of the different amounts they do not send anything in writing.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted TransUnion recently to dispute a trade line entry in the credit report TransUnion compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. TransUnion indicated that the dispute would be investigated and a response provided within 30 days. TransUnion closed the investigation without addressing the substance of the dispute ; rather TransUnion performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that TransUnion allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; TransUnion facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. TransUnion has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. TransUnion 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

The company SANTANDER CONSUMER USA is reporting that I have missed a payment. I have never missed a payment. The vehicle was traded in. Santander received and posted the payment late.. Under the FCRA, they are required to conduct an investigation on this account if I request it. I submitted in writting requesting for them to conduct an investigation. Per the FCRA, they had 30 days to conduct this investigation and respond to my request. Santander did not respond within this time periord, per the FCRA, you must remove this negative information.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

The mortgage company is constantly raising the mortgage payment, sometimes without notice, sending back the mortgage payment - sometimes because it is n't received for the month due ( will be for month of XXXX and will receive on XXXX XXXX ) - and sometimes because it was n't full amount ( would have raised the monthly payment with no notice so was sending in last KNOWN payment amount ), and adding payment rules and regulations with no written statement or letter of notification.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently attempted to dispute inquiries on my credit report by phone and keep getting the run-arounds. After finally reaching someone they said they can be deleted since I am a victim of identity theft but said that I had to speak to the fraud/identity theft department ... After calling I was hung up on after waiting 20 minutes on hold. 

I have attached the inquiries that I am disputing as a result of identity theft. I have also attached a copy of my police report.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (IL)

I have a Best Buy store card through Citi that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, I had requested and received alerts regarding promo-balances coming to the end of their designated time periods. In XXXX, XXXX promotional balances came up without notice and my balance more than doubled ( over {$3000.00} in interest charges ). 

I ca n't imagine that they would have no obligation to actively notify me that I 'm about to incur a {$3000.00} fee.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

CITIBANK XXXX Mastercard : My terms and conditions indicate that if my balance is paid prior to the end of my billing cycle that no interest on purchases will occur. Interest is only charged on any remaining balance left at the end of the billing cycle. For My Citibank Mastercard I paid my balance in full before the end of my billing cycle on XXXX XXXX 2016 but then was charged interest of XXXX which I was unaware of. The balance then remain unpaid at the next billing cycle and I was issued a late fee. I have a transcript of the conversation I had with Citibank Customer Service and they indicate theat I am correct about this but then back track and try to convince me that interest is due.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I was sent to collections and threatened with foreclosure when I had been working with the Superv, Debt Collection. I sublitted XXXX letters plus XXXX hardship paks. A few days ago I rec 'd a letter from anattorney debt collector. I had been working and talking w/soup. my home is for sale and the buyer dropped out, I notified PenFed of this and then XXXX letters came to begin foreclosure if I didn'e pay the XXXX. I had my water shut off and had to go to a food bank, I am divorced after 47 years and no alimony. I have been begging them to help me since 2014. No ONE told me or gave me a chance BEFORE into collections. I had just spoken to PenFed as I had for 2 years.
Consumer complaint received 2016-11-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (ID)

I submitted a claim on XXXX/XXXX/16 [ Case number : XXXX ] SLS responded that they WILL NOT REMOVE THE 30 DAY LATE. There decision is illogical and I will continue to dispute this with more vigor.I have provided my response letter to help explain the details .... 
XXXX XXXX, 2016 To whom it may concern, I am completely dumbfounded at your response! You must REVIEW this attached letter and other documents AGAIN -YOUR INFO IS INCORRECT! You produce and claim you sent a letter stating payoff instructions but I NEVER RECEIVED ANY CORRESPONDENCE LETTER WITH PAYOFF amount! You stated you sent the check back! THIS IS NOT TRUE! I OBVIOUSLY DID NOT RECEIVE THE CHECK BACK or how could you cash it on XXXX when the letter is dated XXXX. If you sent this letter WITH SPECIFIC PAY OFF REQUIREMENTS AS STATED why did you cash the check when a cashier 's check was required! IT IS ILLOGICAL AND I ASSERT it is CORRUPT AND DISHONEST! If this was done properly, and YOU ACTUALLY returned the check, I would have MAILED THE CASHIER 'S CHECK AND ALL WOULD BE WELL. I YOU had NOT CASHED THE CHECK I would have been alerted and resolved this and ALL WOULD BE WELL. IF YOU WOULD HAVE APPLIED MY XXXX payment on XXXX XXXX when it was received then ALL WOULD BE WELL. IF YOUR EMPLOYESS WOULD HAVE ADVISED ME PROPERLY 4 TIMES THAT I CALLED! THEN ALL WOULD BE WELL-but YOUR COMPANY DID NONE OF THESE THINGS and THIS COMPANY SLS is therefore SOLEY RESPONSIBLE!!!! You cashed my check and did NOT APPLY IT!!!! 
Think about this ... If this letter was in my record WHY DIDN'TANY OF YOUR employees have any idea about it! I assert it is BECAUSE IT WAS NOT THERE. I assert that you are unfairly reporting a late payment and that I was unfairly ill advised through personal phone calls and mail correspondence and am therefore NOT RESPONSIBLE FOR 30 DAYS LATE REPORT TO CREDIT AGENCIES. It is NOT REASONABLE to consider this could be! I MADE THE LAST PAYMENT ON TIME XXXX XXXX -- -YOU HELD THE MONEY FOR OVER 50 DAYS until XXXX XXXX!!!! Even though AND ONLY AFTER I called SEVERAL times -see my LETTER again! I AM OUTRAGED BY THE DISHONESTY HERE AND HAVE REPORTED YOU TO THE CFPB