davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Synerprise Consulting Services, Inc. (OK)

On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (IL)

My lender told me i was approved on my home loan 2 weeks before the closing was scheduled so my lawyer did not renew the contingency contract since we believed we were approved. The lender moved the closing dates 2-3x & then finally, 2 days before the closing date he told us that our loan got disapproved & that he will restructure & he convinced me to pay higher rate because i was disapproved from the FHA loan we were trying to apply. So now the earnest money i invested worth {$3000.00} i was n't able to get back since we did not renew the contingency contract believing that our loan was approved. Only to be dismayed to know that he was trying to let us pay for higher amount & mislead us that our loan was approved in the first place.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a collection placed on my transunion by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the FAIR CREDIT REPORTING ACT. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the Fair Debt Collection Practices Act. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to transunion that the thirty days passed and I received no validation of my debt and I had asked transunion to remove this collection immediately. Transunion however did not delete it from my credit and wrote that it has been updated to be removed in XXXX. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

Explanation of complaint : I was using the atm machine to deposit three checks totalling around {$3300.00} ( Paycheck through XXXX XXXX, Check from XXXX XXXX and a Check from XXXX XXXX XXXX ). I told the US Bank Staff Representative on site. The staff member told me they will give me a provisional credit in 10-business days, investigate my account and have a solution to me within 45 days. After complaining on XX/XX/XXXX and again on XX/XX/XXXX when they called me back that there was nothing they could do, they did agree to waive any of my overage fees. To me this is unacceptable. I could see it taking 3-5 business days, but 10 business days is unacceptable. I will have to incur credit card debt and other penalties from other agencies that may have auto-withdrawals with my account. Some of the money is repayment for a vacation house that we reserved and will be penalized for in interest fees.. I would appreciate any help you can give me, and I know that other poorer people could lose more than the interest and penalties that I can afford to pay.
Consumer complaint received 2016-07-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I am currently leasing a vehicle through Nissan Motor Acceptance Corporation. They own the title. I moved from the state of XXXX to the state of XXXX, where I needed to have my title mailed from XXXX to the state of XXXX. For the past four weeks, I have not had any title mailed to the state of XXXX XXXX. The first request came in to XXXX on XXXX, again on XXXX and again on XXXX. However, no title has been sent to the XXXX as requested. I am now unable to send the XXXX plates back in the allotted 30 day window in which I am required by the state of XXXX. It is now XXXX and i am still unable to have the situation resolved - which is to have the title send over to XXXX XXXX so I can register the XXXX in the state of XXXX and then remove the XXXX plates and mail them back to XXXX as required.
Consumer complaint received 2016-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DRS Financial LLC (PA)

An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. 
Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to Equifax, XXXX and XXXX XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

This complaint is addressed to Equifax Credit Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number : XXXX, dated XX/XX/2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). Not ever receiving a credit report, Equifax denied online access for full report. Through an online free credit site, XXXX, report states XXXX as ( Collections ), updated XX/XX/2016. As to date, it has not been deleted. Equifax is the last of XXXX agencies to adhere to request by XXXX. 
If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C. s 1681. Thank you for your cooperation in this matter.
Consumer complaint received 2016-11-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NC)

Got a loan from XXXX Loans for {$800.00}. Over the phone I was told that I would have to pay back {$1000.00} total with {$280.00} installments every XXXX weeks. First payment was XX/XX/2016. When I checked the account online the payment of {$280.00} did not reflect on my account. Now the company is trying to charge a {$6000.00} interest on an {$800.00} loan
Consumer complaint received 2016-11-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (OR)

This collector XXXX contacted my friend off of my XXXX! He was my old boss ... I Do not work anymore and i had his old info on my XXXX. He told me they called once before and said they were a debt collector .. They called him again and i was visiting. Ironic. So they stalked my XXXX and called my friend to contact me. Not only did they Embaress me, but she talked down to me, yelled at me and was down right demeaning! I have NEVER been talked to like that before. Like i was just scum. I didnt even get a chance to ask what the debt was for before she started yelling at me. I dont know what kind of business is aloud to treat people that way!! If she wanted money, that is most definitely not the way to go about it. To threaten, yell and intimidate and harass. Its awful!
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.
Consumer complaint received 2017-01-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (RI)

In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I was advised by customer service agents at Navient on XX/XX/XXXX that I needed to consolidate my loans in order to utilize the public service debt relief act. Following their instructions, I consolidated my loans. I then called them on XX/XX/XXXX to confirm that I could now resume my enrollment in that program. I was informed by an agent at that time that by consolidating I had wiped out all of my previous service under the public service debt relief act, and would have to start over. I have the documents for my consolidation, none of which state that I will lose credit for the payments I had already made through the public service debt relief plan. Clearly, Navient is issuing bad advice and bad documentation, and is contributing to the financial ruin of public servants. I would like to offer to join in the XXXX suits already in progress, or to offer evidence for the suits. Thank you very much.
Consumer complaint received 2017-03-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Guglielmo and Associates (NV)

I was sued by Guglielmo and Assoc. for XXXX. Guglielmo/XXXX won the judgement by default due to the fact I was not given a court date to appear by the attorneys. I was hospitalized during the said court appearance XXXX/XXXX/XXXX. which I could not have attended. I was in default. I am unemployed and do not receive any unemployment benefits. My husband is XXXX and we are on a fixed income. I received a writ of execution in XXXX XXXX to which Guglielmo 's firm had garnished my only {$45.00} that I had in my checking account. I filed a claim of exemption for the monies in my account. XXXX did not object the exemption therefore monies was returned. Guglielmo 's firm filed another writ of execution on the same account in the amount of {$10.00} in XXXX XXXX. Again, I file another claim of exemption, monies to returned. Per Nevada Revised Statute 21.105 ( 2 ). " If a writ of execution or garnishment is levied on the personal bank account of the judgment debtor and the provisions of subsection XXXX do not apply, {$400.00} or the entire amount in the account, whichever is less, is not subject to execution and must remain accessible to the judgment debtor, unless the writ of execution or garnishment is for the recovery of money owed for the support of any person ''. Currently, Guglielmo 's firm is now trying to file a writ on my mother 's account to which I am only a beneficiary. My name is not affiliated as an co -owner of this account. I believe he is on a fishing expedition and to only harass me to place me under duress. Also, I do n't feel I should be charged any of the attorney/filing fees which were added to my judgement because of his " willful intent to garnish '' an account I do n't own. Guglielmo and Assoc. should be sanction and properly discipline for FDCPA " Unfair Practice '' i.e. " A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt : To take or threaten to repossess or to disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property may not be taken, repossessed or disabled ''.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC. (TN)

On XXXX XXXX, XXXX Midland Funding ( who had purchased a credit card debt from XXXX ) filed a complaint against me in XXXX XXXX Georgia Superior Court via the law offices of XXXX. 

On XXXX XXXX, XXXX the law offices of XXXX contacted me in writing offering a resolution to the case without further legal proceedings. Through written communication with XXXX a payment agreement was met. I agreed to and paid the law offices of XXXX a total of {$1800.00} in {$75.00} monthly installments between XXXX XXXX, XXXX and XXXX XXXX, XXXX to resolve this debt. 

On XXXX XXXX, XXXX attorneys from XXXX filed an affidavit in XXXX XXXX Georgia Superior Court on behalf of Midland Funding stating that I became in default on XXXX XXXX, XXXX by virtue of " filing no answer '' - which is what their settlement / resolution agreement with me was intended to prevent. 

On XXXX XXXX, XXXX a judgment was ordered and filed by the XXXX XXXX Georgia Superior Court in favor of Midland Funding and awarded them {$1800.00} - {$1500.00} in principal and {$250.00} in court costs - which I had already agreed to pay the law offices of XXXX to prevent these legal proceedings. 

To this day there is still a Civil Judgement showing on my credit reports. Though it now shows " Satisfied '', the judgement will remain there and impact me financially until at least XXXX of XXXX. 

I have all of the communications from the attorneys and copies of all the court documents - including a completely different set of court documents issued from a different attorney in the XXXX that I was forced to sign agreeing to the repayment that never made it into the court records.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

On XX/XX/2016 both XXXX and XXXX asked us to make a payment outside of escrow and off the HUD " so that it does n't mess up the HUD and brings down the balance needed to get an approval ''. This request was repeated on XXXX and XXXX by XXXX. 

The negotiator and the negotiator 's manager, XXXX, said that an upper level VP in USBank told him to make these requests. 

***The Vice-Presidents at USBANK are DIRECTING THE NEGOTIATOR, ESCROW, BUYER, SELLER AND ALL AGENTS IN THIS TRANSACTION TO COMMIT FRAUD BY GIVING DIRECTION FOR THE SELLER TO SEND THEM MONEY OUTSIDE OF ESCROW -- -- - AND THEREBY HIDING THE MONEY FROM XXXX .
Consumer complaint received 2016-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trojan Professional Services, Inc. (CA)

My name is XXXX. I visited the dentist on XXXX XXXX, 2015, to have my XXXX. The XXXX office is " XXXX XXXX XXXX XXXX ''. Prior to receiving any treatment, I informed XXXX ( the main XXXX ) that I did not want to proceed with any treatment because her office staff stated there would be a charge, and I did not have the money. As much as I explained that I needed to leave, XXXX XXXX was adamant that I stay, and receive the treatment at no charge. I re-iterated again, I was not advised in advance about any charges, and needed to leave. The XXXX assured me that there would be no charge for the XXXX to be XXXX. Later, this turned out to be false, and received a bill for {$250.00}. I contacted the XXXX office to point this error out. All to no avail. The deception in their practice is " to get your signature for XXXX, then start charging you for other services ( not performed ) and add charges for dental work on the same bill ''. The bill stated that the XXXX were sent out to a XXXX to get the XXXX done, but instead she did the work in her own office, as I waited in the chair. I informed XXXX XXXX of XXXX XXXX 's deceptive practices, and will be completing a grievance form through their office, which is my XXXX insurance carrier. I stand in great need of your agency 's assistance to stop this deceptive practices and charges. Please help. Thank you.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continues to report inaccurate and outdated info on my credit report. They refuse to remove data even though I have provided proof it 's incorrect. After them denying me and me coming back several times with different evidence, forcing them to update my report and even though they have continually victimized me, they continue to make it as hard as possible for me to get my report updated to accurately reflect my information. They following data is inaccurate and should be removed! Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - They have my current address and it 's apartment XXXX! - Employer Name XXXX - I have never worked here - XXXX XXXX - It 's not mine AND it 's more than 7 years old! XXXX - I never authorized or opened this account. XXXX - I never opened authorized or used this account. The following inquiries are fraudulent and NOT the result of fair use - XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX. PLEASE stop ruining my life and reporting this inaccurate data! Transunion is very sloppy in their verification process. They have previously marked info " verified '' on numerous occasions and I came back with letters from the company saying the data did not belong to me. PLEASE make them do better.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
Dept of education # XXXX {$1100.00} Dept of education # XXXX {$2000.00} Please remove all non-account holding Inquiries over XXXX days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that Trans Union Corporation has a IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that had a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
TRANS UNION CORPORATION IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT UNTIL XXXX MY MORTGAGE WITH XXXX.