davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I have XXXX complaints : faulty billing practices and abusive practices experienced by employees of National Credit Systems. My account was forwarded to NCS in XXXX XXXX I assume ) after moving from XXXX at XXXX XXXX and having a balance due of {$210.00}. I did not receive the bill at my new address until well after the deadline to pay before being forwarded to a collection agency. 

I received the NCS 's contact information from XXXX at XXXX and called NCS XXXX to attempt to resolve. I have had XXXX interactions with NCS all have been a disaster. Represenatives are extremely rude, talking over me, and hostile - the manager hung up on me ( his name was XXXX XXXX XXXX although I was simply trying to report my interactions with XXXX earlier representatives and provide proof of payment. 

The second complaint involves their billing practices. I authorized an electronic check on XXXX/XXXX/2015, the funds were deducted by NCS on XXXX/XXXX/2015 yet I have not been given credit for the payment, I continue to receive collection calls, and have reengaged XXXX at XXXX XXXX, because I can get nowhere with these people. 

Last, they leave detailed threatening messages on my cell phone and voicemail such as " this is an attempt to collect a debt ... we may engage law enforcement ... ''. This is inappropriate and I doubt legal. 

The point of this complaint is to get assistance with getting credit for a payment made and to report their abuse practices.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MA)

I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Collection Service Center, Inc. (PA)

Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence.
Consumer complaint received 2015-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

My husband lost his job XX/XX/XXXX. We immediately contacted our XXXX mortgage companies in order to try to delay payments and/ or find out what options were available to help us while he was searching for a new job. XXXX companies had us start " loan mitigation/modification '' processes. Our first mortgage company worked with us to move our past due payments to the end of our loan and we were able to catch up after my husband was able to find another job XX/XX/XXXX. Our second mortgage company, US Bank, literally put us through months of paperwork, faxing at over XXXX pages of documentation, supposedly " lost '' the documentation, and had us re-submit it numerous times. In the end, it was a futile attempt to receive any type of help from that company. After we were trying to make extra payments, they recently refused to take '' partial payments '' and forced us to do the " loan mitigation '' process all over again, although none of the previous circumstances had changed that they turned down the first time we went through this. Because they would n't even accept partial payments while this was happening for months, this caused the past due amount to become even higher. They only ended up offering us what they called a " temporary payment plan ''. 
Our normal monthly payment was {$500.00} with an interest rate of 12.65 % and they want us to pay 4 times that amount at {$2100.00} a month for 3 months and if we do n't, they are threatening foresclosure on our house. We have received no assistance with the loan, because they give the main reason of it not being the " primary mortgage loan ''. It has always been our second mortgage in the form of a home equity loan that we have been paying on for years now. When they considered out situation and requested our financial information over and over, they only placed into consideration the amount we pay a month for our XXXX mortgages, no other loans or monthly expenses, to say thay they see a huge monthly " surplus '' that does not exist. We have a family of XXXX, with XXXX child in college, and there is no feasible way we can try to pay these amounts and still be able to pay our bills, gas and groceries. All we were asking for, for over 2 years now, was to get some short term help and US Bank has in no way made any attempt to help us through this. They have placed us in a very difficult position and only seem interested in putting us into foreclosure to take our home. That is the " threat '' they have stated in the communications multiple times. We feel helpless and do n't know who or where to turn to try and get someone to listen and / or help.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. ()

XX/XX/2015/XX/XX/2015, I received my Macys statement with a balance. I immediatelycontacted Macys to informed them that my card was fraudulently usedonline. The agent told no problem, she will put an investigation on card. 
I told her that I have never purchased from Macys online and I have thecard in my possession, none of my other credit card was compromised. 
I told the last time I used my card was approx. 1 year ago in XXXX. Theagent told me that not to worry about it. On XXXX XXXX, 2015, I receiveda letter ( see attached ) that my claim is not a fraud. I called Macys andagent told me that the investigation was completed. I informed her aboutthe letter, she told me to wait a few days. I asked her when and wherewas the online purchased ... she claimed co access to that information. Itold I live in XXXX and only use my XXXX card when I am in XXXX. Ihave contacted Macys call centre three ( 3 ) without any substanceanswer.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies, Transunion being one of these agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the TransUnion Credit reporting agency has not followed the law. As a result, I am still suffering the effects of documented and filed identity theft against me that is being furthered by Transunion not adhering to the protections afforded me in this situation. I 've done everything they 've asked and provided all the documentation and they still have not blocked the fraudulent information from my credit file. 

Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. In spite of all the documentation they requested that I sent, they had not and still have not blocked this information. 
Blocking Bad Credit Information from Credit Reports The law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history.
Consumer complaint received 2015-10-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I originally had a loan with XXXX in 2004. It was taken over by XXXX XXXX XXXX and the terms were changed without my awareness. They changed the interest rate somehow, not sure what happened, but the payments went up so high I could n't afford it, so I applied for a modification. I was told the only way XXXX XXXX XXXX would not talk to me until I stopped making payments. So I stopped. After two years SPS tried to foreclose and put liens against my business. I started making payments again and was advised to file bankruptcy for the house only to stop the liens. I had to sign the modification papers before I saw the terms. This was done by Select Portfolio Servicing ( SPS ). I have n't missed a payment since. They said they had nothing to do with XXXX and XXXX said they do n't have my loan anymore. About 90 days after I signed, they sent me the terms. I had already started making payments on a slightly lower amount that I thought was fixed. I later realized that it was an adjustable that would continue to go up and they did not lower the principal at all. It was added as a balloon of $ XXXX at the end of the loan period. 

I have tried several times with attorneys to reduce the principal as they had promised with XXXX or XXXX. Neither company will help or take any responsibility. In fact they charge me {$5.00} to make payments every month. And, the payment amount keeps going up where I can not afford to make payments much longer. And, they are threatening foreclosure ever time I try to talk to them to correct the terms. An investigation was conducted by XXXX XXXX XXXX, Certified Securitization Analysis. See attached. We paid {$2500.00}. Your agency was copied. 
So now, I have a growing mortgage payment, and a balloon payment, and no relief in sight. Please help.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Ongoing : [ Case number : XXXX ], [ Case number : XXXX ] With regards to the response from SLS and XXXX XXXX XXXX, unfortunately it was inaccurate and lackingpertinent information regarding our initial XXXX loan modification XX/XX/2013. First, all3 initialmodification payments were made on time to XXXX XXXX XXXX and attached are supporting documentswhich were sent to SLS confirming that from copies of entries from our checking account. Secondly, wecalled multiple times to confirm with XXXX XXXX XXXX during that 3 month trial period to make sureeverything was ok and on track with our modification and each time we were told everything was fineand looked ok. And lastly, we did in fact receive a XXXX letter from XXXX XXXX XXXX on XX/XX/2013stating our trial loan modification was denied which surprised us as we had been told everything wasfine during the prior multiple calls to XXXX XXXX XXXX to confirm we were on track with our trialpayments. So as soon as we received the denial letter we called XXXX XXXX XXXX to question why wewere receiving it, and the response we received from the customer rep was to, " ... .. ignore the letter as itwas sent to us in error. '' And we were also told to keep making the trial payments even though it wasafter the 3 months which we also complied with.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SECURITY FINANCE CORP (SC)

I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I went on line with Equifax Credit Bureau to dispute a incorrect item on my credit report and instead of starting an investigation Equifax sent me a letter stating that they were putting a " fraud Alert '' on my credit profile and notified the other XXXX credit reporting bureaus to do the same. I did not request Equifax to put a " Fraud Alert '' on my credit profile nor did I give them permission. I requested an investigation into a item on my credit profile by law they are required to do. I want Equifax to remove the " Fraud Alert '' and notify the other bureaus that they notified and remove the same. This is the XXXX or XXXX complaint I have filed against this Bureau. If I ca n't get any help I will obtain an attorney and file a lawsuit against Equifax. I am still unable to receive my online free credit report. I am always told to send in the mail for my report. I am entitle to be able to download my report once I accurately verify the questions. I have asked the CFPB to investigate this XXXX and you have taken the word of this company that their is no block preventing me from accessing and downloading my credit report. Equifax is the only bureau that I have problems. I want this " fraud Alert '' removed immediately and I would like verification that this has been done.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-10-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (FL)

My husband and I purchased a car through a local XXXX dealership approximately XXXX XXXX years ago. We obtained financing through the dealership who elected PNC Bank to finance the transaction. At the time we had no objections ( and still do not with the terms/structure of the loan ). However, PNC 's policy, which was described by their representative as industry standard, is to automatically enroll borrowers in paperless billing for revolving loans. I 'm a millennial and have no issue with paperless accounts ; however, PNC bank has made it virtually impossible to gain access to the online account because:1 ) PNC Bank 's online banking system does not recognize car loan account information ( and the online account information was never mailed to my home ). 
2 ) The customer help line resulted in an hour and a half of cumulative wait periods. 
3 ) The only online help is available via XXXX. That 's right. XXXX twitter. 

Again, I 'm a millennial and am disgusted by the notion that I 'm subjected to 1.5 hours waiting online for customer assistance or the use of XXXX ( which by the way I tried this platform and could not be assisted via this platform ) simply to gain access to my loan information which should be provided, either via email or printed, to consumers, unless the borrower specifically opts into such a program to limit receipt of their statements. 

It is noteworthy, 2 months later my husband and I got another car, this time with financing provided by XXXX XXXX XXXX and I was NOT enrolled automatically in online statements. I have received a letter in the mail every month with my account information. 

Having access, regardless of being a revolving account, is critical for consumers to manage their accounts, debts, repayment plans, etc. For our account, we have been doubling our car payment and I truthfully, have no idea how much we owe on his loan. I was able to find out the information back in XXXX when I contacted PNC bank, but have subsequently misplaced my log-in information and have not been able to gain access to my accounts since. ( I asked at the time during the call for paper statements but was advised she could not make the change, I had to apply for the change via my online account ). 

Making it this difficult to gain access to loan statements is a significant disadvantage to the consumers. 

Thank you CFPB for your help.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.