davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diverse Funding Associates LLC (NJ)

Back in 2008 I worked for a XXXX. What I did not realize was that one of the employees had a XXXX. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by XXXX to collect a debt for DNF Associates and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is XXXX, my granddaughter is only XXXX. My son works for the XXXX They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

XXXX XXXX
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (CA)

I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I filed a complaint with Equifax Credit Reporting bureau on XX/XX/XXXX. I received notification that the dispute was resolved on XX/XX/XXXX. The dispute was concerning a public record from a judgement placed by XXXX case ( # XXXX ) which was filed on XX/XX/XXXX. It is currently classified as " satisified '' as of XX/XX/XXXX. This judgement should have never been placed on my credit report because it was filed and placed on my credit after I filed the bankruptcy and the bankruptcy was discharged on XX/XX/XXXX. I filed disputes with XXXX and XXXX and they both removed the judgement from my credit report. I contacted Equifax via phone and spoke with both a representative and a supervisor. The supervisor was rude and stated no matter what documentation I provide whether it is from a court or any other entity they would not remove this discrepancy/incorrect information from my report. I would like for this to be removed from my credit as soon as possible please and thank you
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Account Discovery Systems, LLC (NJ)

Back in 2008 I worked for a mortgage company and had numerous employees. What I did not realize was that XXXX of the employees had a XXXX problem. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by ADS to collect a debt for XXXX XXXX and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is pregnant, my granddaughter is only XXXX. My son works for the country prosecutors office They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I submitted a request to Navient to have my cosigner released from my private student loans was was denied because " I failed to meet the eligibility criteria for a cosigner release due to the following reason ( s ) : insufficient income//proportion of loan balances to loan amounts too high//amount owed on accounts is too high ''
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Sterling Infosystems Inc. (OH)

Sterling Infosystems XXXX, OH XXXX The above company conducted a background check for a potential employer. They reported a forfeiture u violation as a felony to the company. They did not reach out to me prior to publishing these results. An example of a forfeiture u is a speeding ticket so there is a huge difference between these violations and felony. 

When I called in to dispute I found out they did not have a phone number on file, a correct address, or an email. I received no opportunity to dispute prior and they published the results to the company before contacting me or providing the report. 

They have acknowledged their mistake and said they will file an amended report. However the damage is already done and it is too awkward a situation for me to step into with the company. 

They offered no apology during the process and did not seem to understand the severity of their mistake. 

I still have not received a copy of the report either the initial one or the amended via email or in the mail. 

Please let me know if you need further information for the complaint to be filed. 

XXXX XXXX
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX shows on my XXXX credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX of the error in the XXXX Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 
Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.
Consumer complaint received 2016-08-21
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I am in the process of purchasing my first home. On XXXX XXXX 2016 I received the Closing Disclosure for my mortgage application. The Closing Disclosure indicated a change in the " Calculating Cash to Close '' section in the " Adjustments and Other Credits '' line item. In the Loan Estimate I received on XXXX XXXX 2016 this line item indicated " {$0.00} '' and on my Closing Disclosure it indicates " {$840.00} ''. 

While I was prepared to absorb some additional cost this was a shock. Section K of the Closing Disclosure I received indicates this adjustment is due to " Items Paid by Seller in Advance '', specifically prorated Town/County Taxes. The prorated taxes for the seller are required to be disclosed on both the Loan Estimate & the Closing Disclosure in accordance with 12 CFR 1026.37 & 1026.38, however, were not included on the Loan Estimate I was provided. 

Since the Loan Estimate I received was non-compliant with 12 CFR 1026.37 ( h ) ( 1 ) ( vii ), and the official interpretation in Supplement I ( XXXX ), it does not seem fair, and possibly illegal, for USAA to require me to pay for an adjustment that was not disclosed on my Loan Estimate. The seller is certainly entitled to prorated repayment of their property taxes, however, the lender should pay at this point in the process since the closing date was already established when I received the Loan Estimate. The lender certainly had enough information to estimate this cost and they did not, waiting instead until we are within a week of closing and putting us in a very difficult position, it feels like we are being extorted. 

The above situation is my primary concern. It is also worth mentioning that the difference in estimated Cash to Close between the Loan Estimate and the Closing Disclosure appears to just be an increase of 7 %, however, it is deceptive of USAA to present this information in a way that makes their initial Loan Estimate for Cash at Closing seem even remotely accurate. By their calculations it appears the Cash to Close only increased by {$130.00}, however, this is only because the seller agreed to pay an additional {$1000.00} closing costs. When this correction is accounted for the actual increase in Cash at Closing increases by approximately {$1200.00}, this is a 69 % increase on the Closing Disclosure above their original Loan Estimate.
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NM)

I fell a payment behind on a texaco credit card in XXXX. Since XXXX-i 've made XXXX payments. This company has phoned me XXXX times with an restricted number. I have spoken to a caller three times telling them when i would pay. they dont listen. these callers use a robo-call device. some calls start before XXXX and go on until after XXXX. The second caller told me that i 'd better start showing him some respecrt when i objected to his calls. Foreignors of all nationalities call. i plan to pay off this card within weeks, and close this account. the Synchrony Bank is running this operation. THis is way over the amount of calls needed. THe entire debt is l ; ess than XXXX. These callers need to be taken to task for their tactics. you can bet i 'll never by this gasoline again.
Consumer complaint received 2016-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

SPS bought my loan from XXXX a couple of years ago. This year, they began trying to raise my mortgage payment up to more than {$200.00} a month. When I asked for an explanation I got different answers from different reps. The first told me that XXXX County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the {$200.00} more a month was to address the deficit. At the time, there was about {$1900.00} in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are {$580.00} a month, so they already had more than required. But, it was either {$200.00} more a month or I needed to pay a lump sum of more than {$2000.00}. Other letters followed these conversations. One reached way back to when my loan originated with XXXX bank and gave me a balance that was about {$75000.00} more than I owed. Another letter said the extra escrow amounts would be spread over two years at about {$40.00} a month more. Another letter said they only needed to increase my payments by around {$30.00} a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in XX/XX/XXXX. I never got one. Today, I was also told that there was a deficit of only {$41.00} in total. Throughout this I have continued to make my same payment of {$1500.00}. My account shows that my monthly payment is {$1600.00}. But, there is no balance carrying forward and no late penalty assessed.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I cosigned a Apt . From XXXX of XXXX Az. Tenants did reside at property for 30 days, as the Air Conditioning Unit required replacement after several visits to have handy man rig it, and water pouring from ceiling into hall way, laundry room, flood Apt out.XXXX finally realized unit was beyond repair, eventually they had no choice was replaced. With over {$1100.00} deposit heat was unbearable lease was broken, I assumed we were even as they kept my deposit, and then placed a Judgement in the amount of {$500.00}. 
When I applied for a Condo and credit pulled that 's when I when I became aware of this judgement against me from XXXX. I immediately contacted them and visited their office to rectify this debt, the Manager suggested he would accept payment in the amount of {$370.00}, I retrieved money 's the nearest ATM and cash was given {$370.00} and I was given a letter that the debt was satisfied and XXXX credit company 's would be notified and info removed, to no avail. I 've contacted ( XXXX ) several times spoke w/ Manager said he 'd look into it and call me back to no avail.He stated he did n't place this on my credit and the Manager that I dealt with had been killed in an accident and is no longer w/ us. 
I contacted ( XXXX ) XXXX/XXXX/2016 spoke w/ manager stated there 's nothing he can do, and did n't place it on my credit he ten hung up on me, and would n't answer my phone calls after I made several attempts to call back. I also a letter to Their Corporate Office ( see attached ). 
I 've never received any Court paperwork concerning this matter and theirs a court case # When I called Circuit Court there 's no court documentation available about this matter. 
I feel as though I 'm being made to pay twice for this debt.
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF FEES.
Consumer complaint received 2016-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Northern Alliance Management, LLC (MD)

Northern Alliance Management with telephone numbers XXXX and XXXX constantly calls my cell phone repeatedly When I returned the to XXXX XXXX she transferred me to some who was rude, threatening and hung the phone up on me. I called back to speak with the employee but then they just kept me on hold for a long period of time. When asked if they could send me something in writing that 's when the employee became rude. He quoted me owing XXXX different amounts that I supposedly owe, so I asked for something in writing and that 's when the employee became rude and hung up the phone on me.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/XXXX. Approximately eighteen months later, XXXX purchased this account The TransUnion Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/XXXX - XXXX does not provide the date of last payment received on their credit report for this account. 

Both TransUnion and XXXX have sent responses stating they are " unable to honor my request based on the limited information I have provided. '' As Transunion HAS the information they need due to the fact that they are REPORTING IT on my credit report, I am confused at their boggle. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/XXXX. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed. 

Since XXXX XXXX, XXXX, was the termination date of the seven-year statute on this account the notation from XXXX XXXX should be removed from my credit report immediately.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Debt Recovery Solutions, LLC (FL)

I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (WI)

The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.
Consumer complaint received 2016-05-09
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC (LA)

This company continues to call harrassing my elderly parents, the business office of my ex husband and myself. Identifies through voice mail the personal information that he should only be sharing with myself. Also, I asked for him to provide me in writing the information of this debt, as I do not have any knowledge of it, and when I requested this information he became very rude. All I want is this information in writing and for him to quit calling my employment and my family members. He has my number and address if he needs to get ahold of me.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America website does n't allow customers to setup an automatic pay for a minimum payment : customers have to guess an amount. If the guess becomes wrong at some point, the account goes into a past due status and a late fee of {$37.00} is charged. Bank of America website does n't allow customers to setup an alert of past due amounts, so that they keep charging the {$37.00}, eventually report to credit bureaux, when customers finally realize the problem. Customers, like me, who has setup automatic pay, are notified that payments were made ( but not that they were insufficient ) have not reason to suspect that there is a problem. My guess is that millions of americans are falling into this trap, because other banks, such as XXXX, XXXX, XXXX, XXXX XXXX, to name just a few, have a website that enables customers to select " pay minimum payment, '' so if that if minimum payment goes up, the account does n't become past due and the very high late fees are not collected. Customers in the XXXX XXXX expect a minimum level of customer service provided online, and Bank of America is not providing that. 

Having an online presence that is misleading to customers ( i.e., automatic pay option, but not for minimum payment, and alerts available, but not for past due amounts or payments below the minimum amount ), could have been designed by Bank of America to increase their revenue stream. I would like an investigation of the amounts collected by Bank of America from all customers that experienced the same problem described here.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is to inform you that transunion has failed to respond to my inquiry dispute letter that I have sent certified mail on XXXX XXXX, 2017. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, transunion received my Dispute letter on XXXX XXXX, 2017.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted the following agencies regarding inquires especially for a purchase of cars by phone. It states to contact the companies who are inqiring. The company 's are stating to go through the credit bureaus. There should be no inquiries on my credit report from the following companies 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. Most of the information is regarding a vehicle so my information must be viral online since I have n't been shopping for a car. When I called the company based on what the credit report states to follow up with companies on discrepancies. I received a very negative feedback as if I am not entitled to request it be removed. I want them to be removed based on me not requesting to have a credit check for a vehicle. Please assist me in the matter it looks like Trans union is allowing it but, I reported a fraud alert and to contact me on any inquiries to make sure that it is me. I just want them removed especially when I never gave permission there just using my information in there companies and I do not vehicle shopping. Thank you