davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Integrated Recovery Services (NE)

Repeated phone calls from a Integrated Services - A XXXX XXXX claimed to represent a payday loan company and refused to provide proof. He went on to continue to call, was harassing, called me a child and a deadbeat for not paying my debts. Threatened to file a XXXX filing against me unless I paid him over the phone. I called back to get their attorney information and ask they stop calling. I was provided the name of XXXX XXXX. hey would not provide me any information, would not validate the debt, only continued to say I was a dead beat for not paying and threatening legal action. 

I have the first voice mail included that they threaten to file a lawsuit included.
Consumer complaint received 2024-11-13
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. (NC)

The information that appears XXXX to XXXX and XXXX XXXX XXXX to my credit cards listed and all authorized user 's XXXX, XXXX, Transunion credit reports, employment screening companies, tenant screening companies, check and bank account screening companies, supplementary reports, and business credit reporting agencies ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A police report has been filed.

These item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my and all authorized user 's credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-11-13
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. (FL)

Transunion keeps reporting a debt on behalf of the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I requested evidence of debt to both Transunion and XXXX XXXX XXXX, they state the debt was originally from XXXX I sent them proof of my insurance with XXXX for my car and XXXX XXXX for my home. 

I requested evidence of debt online and with a live representative to the XXXX XXXX XXXX, I received confirmation of my request Submitted on : XX/XX/2024 XXXX Request ID : XXXX. 
They sent a bill from XXXX with my name on it, I responded that a bill is not evidence of debt, and I requested : a- ) What was purchased? ( goods or services ), b- ) That I received those goods or services, and the dates received. 
c- ) Proof I was the person who requested those goods or services. 
but never received any other document. 

I disputed the debt with XXXX, XXXX, and Transunion both XXXX and XXXX deleted the debt due to not having any document to substantiate the debt. 

I disputed with Transunion XXXX times, XXXX online and XXXX with a customer representative. The dates are as follows Report Created On : XX/XX/2024 ONLINE File Identification Number : XXXX Provided by TransUnion XXXX Relations XX/XX/2024 BY PHONE Delivery by postal mail Report Created On : XX/XX/2024 ONLINE File Identification Number : XXXX Provided by TransUnion XXXX Relations Report Created On : XX/XX/2024 ONLINE File Identification Number : XXXX Provided by TransUnion Consumer Relations I submitted my insurance for home and car, showing a different provider and also requested any kind of document that supports my debt or proof I indeed owe anything, they never provided any document, however they just responded the debt was verified, requested again the docs they used to verify the debt but they have nothing. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (TX)

Numerous phone calls and voice mails where messages are left claiming my social security number has been seized by the government, someone will be coming to my home to make an arrest for theft by deception, their is a case filed against me, and they have started calling and using my personal cell phone number to register as the number calling my phone! They have also contacted my last employer numerous times and corresponded on my private employer email account, as well as started calling numerous others and leaving information about me on others ' voice mails!
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After Disputing my credit with XXXX by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because XXXX is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
Consumer complaint received 2015-11-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NJ)

PAYPAL. 
On XXXX XXXX I opened a Paypal account in order to transfer funds to a friend who had pre-booked for a large group dinner at a XXXX restaurant in XXXX NJ on XXXX XXXX. My friend asked to be paid by XXXX XXXX to pay the restaurant deposit. 

I received an email from PayPal on XXXX XXXX saying that the payment was pending review due to government regulations and would be completed within 72 hours. ie by XXXX XXXX. 
On XXXX XXXX I checked my PAYPAL account and still the payment was sitting on pending. I called the Call Center, after waiting 30 minutes I eventually was put in touch with someone who then wrote a comment on the transaction and then escalated and said it would take ANOTHER 72 hours to be processed. ie by XXXX XXXX. 

It is now XXXX XXXX and the transaction is still sitting on Pending. 
And now I am going to pay my friend in cash when I see her, but I am unable to cancel the transaction, which means if the transaction is finally approved she is going to owe me money as she 's been paid twice! 

This is absolutely ridiculous, I 'm going to a restaurant in New Jersey that makes XXXX food!! XXXX is no longer such a hot topic, most recently relations between XXXX & XXXX have normalised but that is irrelevant anyway, I am going to a restaurant in XXXX!! 
How can a review of payment to a friend take so ridiculously long, it is unacceptable that they said 72 hours XXXX times and XXXX times PAYPAL failed on this.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.
Consumer complaint received 2015-11-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kansas Counselors, Inc. (MO)

I disputed a account with Kansas Counselors of K collection first on a recorded line and I also requested for validation of the debt to be sent over to me. A few months went on still nothing. Then when I spoke with Kansas Counselors debt collector XXXX she gave me so much inaccurate information regarding the file they alleged I owe for a hospital in the amount of {$510.00} they stated that they never did send out the validation, they sent it out a validation but it was for a different account. The debt collector XXXX kept stating to me she never seen anything about a dispute and that still have a balance and they ca n't remove it when though I told her I was working the day the collection agency is stating that I was seen at the hospital. She never tried to help me find other options as to going about and getting this resolved. I feel that they agency is doing is not collecting under the Fair Debt Collections Practices Act and it is unfair for consumers like myself. Please help me in regards to this matter. 
Thank you for your concern of this situation.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been fighting with my servicers for a number of years in regards to my mortgage. I say servicers because I have been switched around from one servicer to the next over the past couple of years. My present servicer is Select Portfolio Servicing which I will refer to as SPS. I am completely frustrated with SPS. It appears to me that they are totally ignoring laws, rules and regulations that they are required to adhere to. After much research, I decided to mail SPS a Notice of Rescission, cancelling my deed of trust and debt. I mailed them the letter on XXXX XXXX, 2015 and they received it on XXXX XXXX, 2015. It is my understanding that Congress enacted the Federal Truth In Lending Act ( TILA ) to be self-enforcing. Upon mailing of the letter, TILA automatically extinguishes the lien and the liability of the lien. The security interest is void and of no legal effect irrespective of whether SPS or the true creditor makes any affirmative response to the notice or not. The voiding of the security interest is not a procedure in a step to be followed, it is automatic by operation of law. Because the notice of rescission is self-enforcing and the deed of trust is canceled by operation of law, there can be no legal foreclosure. Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing must be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 must be canceled immediately. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me. Since they have failed to take any action, SPS and the true creditor, have given up all rights or claims for the money they allegedly loaned to me. They have waived any all defenses to the rescission and they are now in violation of Federal law. Under TILA, my debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with TILA within the twenty ( 20 ) calendar day period. If the rescission letter is self-enforcing, it bewilders me why I have to go through such measures for them to abide by the law. Under TILA, SPS had to take mandatory steps, one of which was to provide me with a release of my mortgage and the other was to refund me all proceeds resulting from my loan. They failed to follow these mandatory steps. I am writing this complaint because I am actually mortified by their blatant disregard for the law. I respectfully request that you immediately review this case in critical detail and inform SPS of their wrongdoing.
Consumer complaint received 2016-01-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica ()

Comerica Bank in XXXX has been mailing my pension cheque for 30 years. 
In XXXX 2015 they mailed me aformXXXXXXXX from the IRS I filled it in and mailed it back.Later I noticed a shortage on my cheque Contacted Comerica Bank in XXXX who told me the form had not been received, therefore IRS took XXXX % off my pension cheque.Another form was then sent, but being late the IRS has withheld 2 months XX/XX/XXXX and XX/XX/XXXX.In talking to Comerica they informed me to contact a tax consultant to get the refund.It was their fault for not checking to see why the retiree had not returned the form.That form was either lossed or misfiled and the bank should have a policy to determine what is delaying the retirees form, instead of having the IRS deduct, The Bank has never replied to my suggestions. Hope you have more success XXXX XXXX
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I lease a XXXX Dodge from XXXX XXXX XXXX in WI XX/XX/XXXX. After the XXXX truck was found to have XXXX more miles than advert sed I have no idea why this is cutting off/ going XXXX. 
I was not provided with and account number or mailing address nor exact payment amount. I contacted Ally Bank on or about XX/XX/XXXX. I sent a payment per verbal instructions. Then I sent a double payment in late XXXX I noticed a partial payment due. I contacted Ally and was informed it was a late charge from XX/XX/XXXX. To which I informed them it was their error in not providing a payment amount, due date, account number and mailing address. 
The person was not authorize to correct so the put in a request. A few weeks later ( XX/XX/XXXX ) at approximately noon I received a collection call stating I was 31 days past due because of a returned check. I advised them that was not possible as it was a cashier 's check. They said it was in the amount of {$2000.00}. I advised them I had never sent a {$2000.00} check. Collector claimed it did not matter that I wa 31 days past due and needed to make an immediate payment. After a " heated '' exchange I hung up. I contacted both the dealership and ally and got lots of reasons why I was past due from they do n't accept multiple payments to a returned check. I ask multiple times verbally, emailed and wrote letter to get address of their regulatory agency to file a complaint. To which I never received a valid answer. 
When I was told it was corrected ... I never got a copy of my credit report showing that it was removed or corrected. 
They sent me some kind of accounting statement showing I made 6 payments in XXXX XXXX and XXXX payments were reversed in XX/XX/XXXX. Which is not a payment history of my account as requested. Nearly 20 hours of business time was spent correcting this only to find out it was still not corrected. The Ally contact with XXXX XXXX XXXX called and during that conversation it was discovered that Ally had added an additional late fee to my account when they had reversed a double payment twice on XXXX XXXX, XXXX. 
I have a verbal phone call that I made that appears that the current amount due is correct as the next due date. I have no in writing evidence of that as was promised on several occasions. Obviously this is a condensed version of what happened during countless phone calls and at least 20 hours of business hours lost. Not to mention multiple harassing collection calls. When they were directed not to call again unless they had a resolution. It was explained to me at one point that collections and the department investigating the issue have no means of corresponding with each other.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ).
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (NC)

I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them.