davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Processing Group LLC (FL)

On several different occasions an unknown caller has called and said consider yourself served. Left a number and with case number to call. When I called that number XXXX the gentleman told me that I owe a hospital debt and that I have been served? I have never been served and he stated just because I watch law and order does n't mean XXXX. I explained to him that my medical bills have been paid and that I just paid over 3,000. for XX/XX/XXXX and he stated that I owe {$900.00} from XX/XX/XXXX. I said that I would need to review that bill please send it to me. There is nothing on my credit report otherwise. He said that you can not deny you were at the hospital and you need to just pay it now or we will sue. Please have them stop harassing me
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint of the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The communication from the lender is not clear or accurate - we have been speaking with the lender since XX/XX/XXXX - we were advised on this date the file was with the underwriters and nothing was being requested for the review - on XX/XX/XXXX we were advised the review was denied due to missing items and that the client has a buyer for the property - this was not the case and the lender was never told about a buyer for the property - the client simply asked for a payoff statement for informational purposes. At this time we requested updated docs from the client for a new review to be completed since the lender closed out the previous review due to the Payoff being requested. The lender has refused the new application that was submitted to there office 3 times since XX/XX/XXXX the latest being on XX/XX/XXXX- when we called to follow up to ensure all information was received, we were advised they are not reviewing this file due to the previous denial in XXXX due to affordability ( this was NEVER discussed ) we were told there would be no appeal period or review for this client as he can afford the payment. We requested a supervisor, we were transfered to a rep named ( XXXX ) this Rep should not be working for your company - when we explained to her the situation, her response was ( SO WHAT DO YOU WANT ME TO DO ABOUT IT ) - I explained again the situation and requested this file to be reviewed properly since the package was received more than 30 days prior to the sale date of XX/XX/XXXX - the " supervisor-XXXX '' said just a minute let me get someone else to help you - We were HUNG up on - this is unacceptable under any circumstances and the review of this file should be completed per RESPA guidelines and Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, Equifax and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello I have requestion for validation of this debt through transunion and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NC)

Opened TD personal checking account ( TD Premier Checking ) on XXXX in response to a promotional offer ( Earn {$300.00} ). After funding the account with a payroll direct deposits on XXXX OF {$2500.00}, I called the bank to see about the status of the promotional credit. I was told that someone would respond in 3 days. A week later I called again and was told that they would submit an inquiry ( again ).  After no resolution and belief that the checking offer was deceitful and bank never intended to fulfill, I called in late XXXX ( XXXX I believe ) to close the account. ( I had already written a check on the balance to reduce the outstanding balance to {$0.00} ). The phone representative refused to close the account, stating that I needed to do it in person at a branch since there was XXXX cents in the account. I asked to talk to the supervisor, XXXX ( rep number XXXX ) who was rude and started the conversation with something like " The representative already told you we ca n't close the account and I wo n't tell you anything different ... '' Finally, she advised that I use TD 's send money online function to transfer the XXXX cents out of the account ( because ACHs cost more than I had left in the account balance ). After hanging up I tried this option only to learn that there is a {$1.00} minimum to use Send money. Finally, I wrote myself a check for XXXX cents and deposited it into another bank account ( different bank ). I called the next day XXXX ( since the check had already been presented and my account balance was showing {$0.00} online ), and XXXX told me that I may get a monthly maintenance charge for being under the minimum balance since the account cycle would close Tuesday and she required 3 business days to close the account. She suggested waiting to see if I was charge a fee and calling back to close the account later ( after waiting on hold the third or fourth time for over 30 minutes each  time ). I told her I wanted a close request be submitted immediately and that their bank ( TD ) could control whether they closed before a maintenance free could be assessed by them. I also asked about getting a credit for final cycle residual interest earned and received no understandable response. I never did get the few pennies of residual earned interest for the final cycle. TD was deceptive in it 's promotional checking offer and was coercive attempting to get fees by not closing the account in a timely manner without excessive effort made by customers.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
Consumer complaint received 2016-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (GA)

They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.
Consumer complaint received 2017-08-22
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. (LA)

I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.
Consumer complaint received 2017-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TN)

On XX/XX/XXXX I submitted a complaint on PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND , INC . The complaint stressed out that the collection agency was using " scare tactics '' to try and collect the debt. I called the agency multiple times to try and resolve the matter and let me set up payment to try and get the account current. I was able to start making payment from that date and on XX/XX/XXXX i had a flat tire that put my account overdrawn and did not allow me to make a payment. I called the company on XX/XX/XXXX to try and arrange a payment on the phone but the collector advised me that they would only take the balance on the account. I told them about the situation and said i only had 2 hours to make the payment in full. I want to continue making the payments i have been making so my account can stay current.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following. 

According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank. 

If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement. 

This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.
Consumer complaint received 2017-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX  ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.
Consumer complaint received 2017-08-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo
u allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had several fraudulent and duplicate inquiries that were removed from my Transunion credit report. After the company had a glitch in their system, several of these inquires were reinserted back on my credit. I have contacted Transunion on several different occasions to have these inquired removed. The representatives refuse to assist in this matter. I have talked with supervisors on two occasions, as well, with no resolution. These inquiries were once deleted and a fraud alert was applied to my credit report. I never received written notification that these inquiries were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. I am currently in the home buying process and these inquires have caused a decrease in my credit score.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

I was contacted by XXXX XXXX XXXX/XXXX License ID XXXX of loan Depot to apply for a refinance. I was told to pay the appraisal fee on a credit card and I would receive it back at closing or in the event they were unable to provide me with a loan. I submitted all my Social Security XXXX documents as well as my court ordered child support income documents, bank statements, and requested forms. They kept coming back requesting more information which I would send. I have been going through this for a couple of months. My Account Manager XXXX XXXX informed me that underwriting had suspended my application pending decline because they were n't adequately able to verify/qualify the income needed for approval. I have not received the refinance or the appraisal fee refund.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ever since I was forced to file Bankruptcy in XXXX 2008 I  have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It  appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly Experian Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as Experian. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-10-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performant Financial Corporation (CA)

I have been paying thru garnishment of wages for a loan that had a amount due on {$18000.00} as of XXXX XXXX 2012 based on a order to withhold from earnings. The payments have been going to Performant Recovery as of today my employer approached me and gave me a summary of payment showing they have paid {$18000.00}. upon calling performant they are saying I still owe {$4000.00} and this will accrue interest of {$65.00} per month. 

I employer said it has been paid, please help performant will no negotiate I tried offer a settlement payment they would not accept.