davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (AL)

Around XX/XX/XXXX, I took out a loan with XXXX. XXXX I received an email saying that they no longer made loans in the state of XXXX and I needed to pay the loan off. I tried but the interest was out of control. I got behind on the loan. On XXXX XXXX, XXXX I received an email saying the loan had been sold to National Credit Adjusters in XXXX, XXXX. They started harassing me for way more money than the loan was for in the beginning even tho I had been paying for it for a year or more. They finally offered me a settlement of XXXX % of what they said I owed and they said that they would mark the debt off as paid. I paid the amount they requested ( over a year ago now ) and never heard another word from them again until last week. I checked my credit report and there is no mention of any debt with them. ( XXXX had been on there when I did owe them money but all signs of it has been gone for over a year now ) Last week I received another letter from them telling me I needed to pay them off and offering me the same settlement that I had already accepted and paid off over a year ago. I am afraid to call them as that would just give them my number again but this debt has long been paid. I do n't know how to handle this situation. I read several things on the XXXX web site where other people are also facing similar issues with National Credit Adjusters. All of their responses to the complaints people have submitted to the XXXX are all exactly the same and they have had their XXXX membership revoked for failing to attempt to resolve problems with customers. Can you please advise me on the best way to handle them? I really do not have the money to keep paying their settlements every year or so and I really do n't think that it is fair to demand to be paid again when they said they would accept the XXXX % that last time as full payment of the account. The original loan with XXXX was a total rip off that is next to impossible to get out of in the first place, but now National Credit Adjusters is taking it beyond the limits.
Consumer complaint received 2016-02-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Cornerstone Home Lending Inc. (TX)

We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I bought a XXXX Dodge Journey from XXXX XXXX XXXX in XXXX. The dealer charged me XXXX dollars for the car with 29.95 % interest which means XXXX dollars for 72 months in terms. The monthly payment was XXXX dollars .When I found out in the market the real value of this SUV was XXXX dollars, I called them to let them know the contract was overpriced.They told me the federal regulations allowed me to bring the car back after 48 hours.After two months I could n't afford to make a payment, they took the car and sent my name to the credit agencies.Few months after they called me and made an arrangement for a settlement. The settlement was XXXX dollars to pay off. I did pay that XXXX dollars but I still have negative items on my credit report.
Consumer complaint received 2016-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

While reviewing my credit report I found that Progressive Management Systems had reported a debt to my credit report. The debt was for approximately {$120.00}. The original " creditor '' is XXXX XXXX Hospital. I do not have any bills for anything I have n't already paid. In fact I reviewed my medical bills for the year that this debt was supposedly incurred ( XXXX ) and I determined that all the bills I received that year were paid that year. I also reviewed my Flexible Spending Account for that year and all the medical reimbursements and I can not find anything to indicate I filed a claim that matches the amount or the time frame for the alleged date of service. There were no FSA claims for XXXX of XXXX. I have asked Progressive Management Systems to forward any documentation for the debt but they refuse to give me any information citing HEPA law. I asked them to send proof of the debt to the address they have on record and they refuse to. I even had them on the phone with XXXX and they did not give me any information other than that the debt was allegedly incurred by my ex wife in XXXX of XXXX. I have spoken to billing representatives at XXXX XXXX Hospital and they verified that nobody in my family had any outstanding bills. I spoke to XXXX from XXXX hospital in XXXX and she verified and sent me a letter that as of XXXX/XXXX/XXXX I had a zero balance. When that was n't sufficient to have the collections account removed I asked XXXX to send me an itemized history of my bills that showed a zero balance. They sent me that document as well dated XXXX/XXXX/XXXX. Progressive Management still continues to report this debt to XXXX and has refused to show me proof that I owe that money. They have not sent me any documents to prove that I have signed any contract for services rendered or any contract that makes me liable for the alleged debt. I have attached the documents I am writing about as well as some letters that I have sent out to the credit bureaus and notes from phone calls regarding this debt. I never got the chance to dispute this fairly and Progressive Management Systems ' continued attempt to collect this money by adversely affecting my credit worthiness without any measure of due process goes against everything that sets this country apart from others. I am disillusioned that consumers have very little recourse from corporations that prey on defenseless people. Many of my friends have said that I should just pay it and move on even if it is n't mine. I am a XXXX ; {$120.00} is not an issue to me. I have no problem paying money that I owe, but I refuse to pay something that I am not responsible for.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

We borrowed {$32000.00} twenty years ago from Green Tree Mortgage, I contacted them back in XXXX to see what my pay off is and I was told {$30000.00}. At that time I have requested several times a copy of the contract we signed, and have yet to receive it. I hVe called about once a week asking them where the copy of the contract and they keep shuffling me around operator to operator. Recently they sent me something that was not the contract and it was signed by people that were not there the day we signed, also the Co. That it says is wrong as well. I 'm still getting the runner around in regards to my contract. Please guide me in a direction that I could get some help.
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I am respectfully requesting your assistance with my bank, Citibank as my requests for assistance are being ignored. XXXX opened this account originally i used to have my cancelled checks returned to me, which all of a sudden stopped. I then requested and received copies of cancelled checks which also stopped without any explanation or reasoning. I disputed and protested this stoppage but nothing came of it. I have since requested copies of cancelled checks and have been told that they can be retrieved online, however because Citibank blocked our access to our account before retrirving these checks i once agsin requested copies and have yet to receive anything from Citibank. I can not begin to tell you how extremely frustrating and aggravating this ordeal has been because i need copies of my checks and payments.
Consumer complaint received 2016-02-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

Back in XXXX of 2015 I opened an account Online with BBVA Compass Bank. On XX/XX/XXXX I received a letter indicating that my account was approved and all was required was the opening deposit. On XXXX XXXX, 2015 I mailed in a money order in the amount of {$40.00} in order to have my account opened. A few days later I received another letter from BBVA Compass Bank that the account can not be opened due and issue with XXXX. So, I called the bank in XX/XX/XXXX top get my deposit back and the bank told me to call a week later. Called the bank a week later and I asked to have my deposit sent back and the bank could not locate it or could not give me any information. I have been calling the bank almost everyday and they can not locate my initial deposit of {$40.00}. I made a call to trace the money order and it was cashed on XX/XX/XXXX.I made another call to the bank today and they placed me on off on hold and at the end they tell me they can not locate the money order. The bank is not being helpful at all. how can a deposit go missing? It has been cashed. I need to have the bank investigate this further and pay me an additional {$100.00} for my time, calls and lack of service. And I have also noticed the bank is not being honest with me in regards to what has happened to my deposit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report, I am a victim of identity theft and did not make these charges. I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I initially reported this on XXXX XXXX and nothing has changed. XXXX XXXX is reporting duplicate information on my credit report. the credit information is reporting on Experian and XXXX credit bureaus. I submitted a credit report to them showing the error and I submitted a dispute trying to correct it. Both the credit bureaus and XXXX XXXX  have ignored my request. I am a minority single female who is feeling discriminated against by XXXX XXXX. I have submitted multiple requests and I have been ignored on them all .. Experian sees the accounts are duplicates but still ignores them .. its in plain sight. The account number only differ by XXXX in front .. every thing else is the same. They are deliberately not trying to correct error.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

We paid our mortgage loan ( # XXXX ) in full on XX/XX/2015 to Ocwen ( lender was XXXX XXXX XXXX ). After months of telephone calls, Ocwen has not released the lien on the records of XXXX County Va. I 've dealt with their Office of Consumer Ombudsman, a misnomer to say the least. I even collected a {$500.00} civil penalty under Va. law for their failure to deliver a release to the county clerk within 90 days of payoff, but can not get them to file the satisfaction/release after six months of the XX/XX/XXXX payoff.. I 'm aware of the XXXX dollar settlement with Ocwen & wonder how many complaints there have been like mine. Thanks-XXXX XXXX, XXXX
Consumer complaint received 2016-02-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

XXXX/XXXX/16 I am a victim of ID theft and my information was used to apply for account which resulted in credit inquries on my report. I have contacted Equifax and told about this issue and they have not address it. 

Fraud Inquiries ; XXXX ( XXXX ) XXXX/XXXX/16 XXXX XXXX - BRANCH XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (FL)

Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!
Consumer complaint received 2016-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I had a medical procedure done that I XXXX paid for in cash, at a discount. A couple months later I get a bill from XXXX XXXX for what would have been the balance due if I went thru the insurance instead of paying cash. I went to their local office & they confirmed that I am payed in full. Subsequently I have receieved notices from CMRE trying to collect. I am Paid in full. I want this resolved asap please.
Consumer complaint received 2016-02-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delbert Services (AR)

took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call western sky Delbert collections
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
XXXX XXXX XXXX card balance is not correct!!! 
XXXX high balance XXXX is displayed and affecting my credit account is closed MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 
XXXX MISTAKE MUST BE REMOVED OFFICE RAN APPICATION THREE TIMES!!!! THET AGREED TO REMOVE IT MY ADDRESS NOT CORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NV)

My ex-husband and I bought a vehicle XXXX XXXX from XXXX. Somewhere along the way it was transferred to Santander Consumer USA. He and I got a divorce XX/XX/XXXX and he was awarded the car and the debt. The last payment he made on the vehicle was XXXX/XXXX/XXXX. Santander at that time started harassing me about the debt and even though I told them I was no longer responsible for it and even showed them proof they still would not leave me alone. They were even calling me at work and threatening me with jail and calling acting like they were process servers. They could not get ahold of him so they just kept harassing me. They finally stopped contacting me, but then they started reporting it to the credit reporting agencies that they had repossessed the vehicle. First off, neither of us had ever received a repossession notice and Santander can not produce a notice that proves they ever sent us one. The vehicle just disappeared from the house one morning. Secondly, I have tried to contact them multiple times by certified mail and e-mail to try and come to some sort of arrangement in order to settle the matter so that I can get it removed from my credit report. I have offered to even pay part of it. They do not respond back to me. Instead, they constantly change the data on my credit report so that it stays refreshed and on my credit report. I have been battling this for 5 years now and do not know what else to do. I just want this taken off of my credit report. They are shady and underhanded and I do not think it is right that they lie and threaten you and then ruin your credit for something that is not your responsibility and then refuse to respond to you when you try to get it resolved.
Consumer complaint received 2016-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ND)

I had a credit card through XXXX who in turn went out of business and was bought by orchard bank. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX XXXX then sold an account that was legally discharged to XXXX XXXX XXXX. They in turn sold it to Portfolio Recovery Services, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.
Consumer complaint received 2016-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (ND)

I had a credit card through HSBC who in turn went out of business and was bought by XXXX. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX bank then sold an account that was legally discharged to XXXX. They in turn sold it to XXXX XXXX XXXX, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.