davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

Santander USA calls me every day and on at 3 occasions they did not leave a message. On XX/XX/2016 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent on XX/XX/2016 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back XX/XX/XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move one payment to the end of the loan but I was told I would have to wait until I made 6 payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make 1 payment on XX/XX/2016 but I need 1 or 2 payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

Debt is orig from apartment complex XXXX XXXX in XXXX, XXXX ( under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ). I never received a bill from townhome upon vacating, even though I left forwarding address. I did not know about bill until 3 years later until my mother started to get calls from PDM, so was unable to dispute charges to original debtor. 
Charged : {$120.00} for cleaning {$150.00} for trash out food/refrig baby bed {$11.00} for autochrg {$130.00} for " Bal of 15 Day Notice '' Per lease, premises were left in original condition than move-in. Upon move-in, office staff informed me that they had not had a chance to clean yet, and gave me a can of oven cleaner. Bathrooms had not been cleaned, floors had not been mopped. Upon move out, I cleaned all rooms, vacuumed, mopped all areas. There may have been some dirt from moved furniture, but absolutely not {$270.00} worth of cleaning. I did leave a crib in one bedroom, but had told mgmt that I would in case another tenant wanted it, as it was still in good condition and many people in the community were low-income. She said, " That 's so generous of you '' ; did not mention that I would be charged for someone to remove it from the room and give away/ throw away, if that 's what they did with it. 
PDM did not remit hourly wage and hours spent cleaning to justify such a large bill. 
" 15 day notice '' charge is not in lease ; I was on a month-to-month lease when I moved out, so did not owe add'l funds, as can be seen on " $ XXXX month-to-month '' charge on bill. 

When I told PDM that I wanted to dispute the charges, they immediately said that I should have done a walk-through with mgmt. Mgmt did not request a walk-through, I was never told about this requirement. Not sure if this nullifies my rights, but I do at least think that I should be given itemized bill of how they spent {$270.00} to clean the apartment.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (OR)

I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX. 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX points.
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (OH)

XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/2016 for {$1000.00}. I ask Afni to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! This has been detrimental to my credit score and has kept me from obtaining credit! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}.
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I am writing due to a misunderstanding regarding payment resulting in late fees and interest. The new balance of {$18.00} with a payment due date of XXXX/XXXX/16 was originally handled via ACH in a phone conversation with Citicards representative in XXXX. My wife and I always pay our bills in full and on-time, as attested to by our credit history and rating. 

The next statement ( payment due XXXX ), arriving less than two weeks after the original payment-due date, indicates a balance due of {$55.00} and the Citicard phone representative XXXX told me that it was actually {$74.00} due to additional late fees. 

I believe that an error in understanding, or otherwise, is behind the " missing '' payment of {$18.00} ( due XXXX ). 

I am asking that the late fees be removed this time. If so, we would continue as customers. 

On XXXX/XXXX/16 I paid {$36.00}, what I was told was the full amount due from XXXX identical monthly automatic transactions of {$18.00} each. This was to be payment-in-full for all monies owed to Citicard. Yet now ( XXXX/XXXX/16 ) Citicard tells me another automatic transaction of {$18.00} was charged on XXXX. However, again, I was told on XXXX that we only owed for XXXX transactions of {$18.00} each and my payment of {$36.00} that day covered all owed except for the interest charges. There should be no balance except the " interest charges ''. 

Additionally, the late fees appear to amount to well over 100 % on an annualized basis. Perhaps it is a calculation error but it does not seem reasonable or lawful. 

I sent, on XXXX, a XXXX letter to Citicard Customer service explaining all this and only received a general form letter reply that did not acknowledge any of the facts of this case. 

We always pay our credit card bills in full and on time. If Citibank is willing to calculate the interest charge on the original {$18.00} ( on the statement with payment due date of XXXX ) for one month, we would consider paying that to finally conclude this matter in a fair manner, especially when considering the considerable time I 've taken to resolve it and the rudeness of some Citicard representatives. 

Most recently, I spoke today with a Citicard supervisor, " XXXX '', ( employe id # XXXX ) who was rude and in need of retraining in communicating with customers.
Consumer complaint received 2016-10-12
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (IL)

Santander USA calls me every day and on at XXXX occasions they did not leave a message. On XXXX/XXXX/16 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent called me on XXXX/XXXX/16 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back in XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move XXXX payment to the end of the loan but I was told I would have to wait until I made XXXX payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make XXXX payment on XXXX/XXXX/16 but I need XXXX or XXXX payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well. I am asking for any credit reporting to corrected due to the scare tactics, I actually have the call recorded on my phone if Santander wants to hear it. This call was about a past due balance and this was not considered to be an emergency per my employer. He states this was an emergency call, I advised I am at work but he states again it was an emergency which it was not. It is illegal for a company to claim a call is an emergency when it is not.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Borenstein & Associates, LLC (CO)

On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home. 
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks. 
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Creditors Specialty Service Inc (CA)

I was sent to XXXX for an XXXX on XXXX/XXXX/XXXX, by representing counsel, after being involved in an auto accident on XXXX/XXXX/XXXX, and was informed by the attorney that if I did not win the case, I would not have pay anything. I received one statement for an overdue account from XXXX in the amount of {$3000.00} in XXXX XXXX. I contacted them to inquire why I was receiving this bill, and provided them with the termination letter from the Law Office, indicating that no money was received from the law suit, per their request. In XXXX XXXX, I received a letter from Creditors Specialty Service , Inc., requesting the amount of {$5200.00}. XXXX XXXX ( CSS ) also contacted me at my job, demanding payment and a call back immediately, threatening to garnish wages and to put a lien on our property. I contacted XXXX XXXX ( CSS ) on XXXX/XXXX/XXXX and requested that she stop calling me at my place of employment. On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) and informed her that I was never given the opportunity to pay this debt, to make payment arrangements, or to utilize my personal medical coverage to resolve this issue, and informed her of the amount that CSS was attempting to collect. XXXX called me back within the hour on XXXX/XXXX/XXXX, and stated that after talking to her supervisor, they felt that CSS was attempting to collect too much for the debt, and she and her supervisor XXXX would be contacting CSS to inform them that the total amount that they could collect ( medical expenses/fees ) would be {$1000.00}. On XXXX/XXXX/XXXX, XXXX XXXX ( XXXX ) called me at home, and attempted to collect the debt. I informed her of the modifications made by XXXX ( which she initially stated she unaware of ), and demanded the payment in full for {$1000.00}. I informed her that I would be willing to make a payment arrangement with CSS ( per XXXX, this would be an option ), and was told that I could not make any payment arrangements, and that I could pay for the debt in full using my XXXX credit card, when she indicated she was looking at my credit report and could see the available credit to use. In addition, she made threats on both occasions to take me to court, and report to credit bureaus. I did not authorize CSS to access my credit report, and feel that this is a violation of my privacy.
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA bank have denied and have suspended our online banking access due to a prior debt that went to collection. This is sort of the same thing that XXXX XXXX XXXX XXXX is being sued for. It is unfair. We still have our money in that bank and we are unable to access our accounts online. We only have the mobile app. That said, it seems though we are being retaliated against. The bank is where people deposit their monies. It 's unfair to deny me online access to my account because I have a delinquent debt. The bank have a protocol to go through to collect debts. They were aware of that when they founded the bank and had their ribbon cutting ceremony that there would be losses. That people will fall short as we have. This account is over 15years old and still we have no access. Collections no longer report this debt, also the bank has wrote if off. Still, we are being penalized. Please help us. We are a military family and do n't have access to a local bank USAA in our area.. However, they are penalizing us by not allowing us access to online banking it is still under suspension. 

Thanks
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

The following accounts have errors and experian will not investigate them. I have contacted the creditor with no response at all. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove account yet Transunion continues to report account. Please delete account number XXXX from my credit report immediately as agreed.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a small business owner, during the months of XXXX, XXXX the administrator of this company had reached out to a couple of funding sources with my permission. However, during the month of XXXX several marketing funding offer came through after hitting my credit report. I have not been able to get the names of all the companies but I did not give my permission to obtain a credit check. I believe this cause a significant drop in my credit score.
Consumer complaint received 2016-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

So I have automatic payments set up for my student loans through Navient. I also have been making additional small payments to some of the loans with the hope of paying them off sooner. However I just recently noticed that my automatic monthly payment totals were decreasing slightly. It turns out that when you pay additional money, it decreases the amount per month to balance it out with their expected payoff date, essentially nullifying the additional money you put in. I had to speak to a representative to submit a request to LOCK the monthly payment and prevent this from happening. Although you 're allowed to pay on top of the auto payment, there is no method of setting the amount you want to pay per month, and if you are n't able to make consistent additional payments ( which I am not ), you 'll end up paying out the same amount in interest over the course of their payment schedule.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (LA)

1st complaint : I tell XXXX person I coming in on Friday to make a payment ; the next day someone will call to see when I coming in to make payment. Because either the person did note the acct or the new person who is calling did not read the notes. 

2nd complaint : I told XXXX people already I coming in on Friday then someone call me on Thursday to verify if im still coming on Friday. 

3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently spoke with Transunion about the credit inquiries on my credit report that didnt belong to me. They mentioned there was a glitch with all inquiries being wrongly placed on all Transunion credit reports and could not assist me with the removal of the ones placed on mine. Please assist with getting these items removed. It 's affecting my credit score. I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611. 

XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX
Consumer complaint received 2016-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc. (CA)

This account is not mine and does not belong to me. This company bought this debt and wants me to pay on something that is not mine. I have reported this to all XXXX credit bureaus and they will not re-dispute it. Stating that the company verified it belongs to me but this company has not given proof.