davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Student Loan lender have multiple duplication of accounts illegally blocking me the consumer from qualifying for refinancing student loan with a reputable lending institution available to me as a consumer. The lender have duplicated these entries over 30 times duplicated on my credit files.They continue to circumvent by stating they have responded to the consumers complaint. What they are doing is strategically selecting one account out of 10 and addressing one and leaving the 9 remaining. The rules say that multiple creditor of the same account should be listed on any consumers credit files. Here 's a list of duplication that do not own the loans. When these loan because due after graduation the creditor only alerted me after the loan was delinquent several months. This I believe is leverage tactic by the lenders to further damage my creditworthiness. All information reporting on the loans below are injurious to my family life and some of these have been added to my parents.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have discovered a collection account on my XXXX credit report from Commonwealth Finance, with an original creditor of XXXX of XXXX, for a total of {$710.00}. I have not received any notification of said balance from either the original creditor or collection agency, nor do I have any verification of said outstanding debt. Further, this appears to be for services rendered in VA. I live in TX.
Consumer complaint received 2017-10-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinman Acquisition Group (AL)

On Thursday, XXXX XXXX, at XXXX I missed a call from a number listed as XXXX XXXX AL XXXX XXXX ). A lady named XXXX XXXX stated in a voicemail that they were attempting to locate me in to receive my signature on bc of a debt on my XXXX. She stated if I was n't located this would result in a missed court date. 

I immediately called the number back but it connected me to a debt collection company called Weinman Acquisition Group ( XXXX XXXX XXXX, NY XXXX ). A lady named XXXX XXXX answered and started off extremely rude. She told me that I had to pay in full then in order to not be summons to court. She gave me her direct number as XXXX. She stated this debt was from a payday loan from XXXX, a loan I do not remember and she also added their fee to the total. I told her I needed to check into some things. She immediately asked in I could put a down payment right then. I said " No, I will call you back ''. She proceeded to ask when I was going to call her back because after a certain time she could n't stop the summons. I again told her I would call her back. 

After doing some research, I found some complaints against them that said they did to others exactly what they did to me so I called back to get some more info. This time a gentleman answered. I told the gentleman that I was n't very comfortable giving my info out but he interrupted me twice and stated very rudely that I did n't have to be comfortable. 

After doing more research, I decided to not make a payment to them over the phone. They had confirmed my address so I did n't know if someone was going to show up or not. No one did, someone was home all day, and we have security cameras to prove this. I am unsure if I owe the debt but the threats and scare tactics are out of bounds.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

I was admitted to the emergency room back in XX/XX/XXXX and was treated for an illness and was released. I was sent a bill for the charges later on, however, due to my financial status the fees were waived after submission of my tax return, as I qualified for a waiver due to my income level. 
However, I was contacted by an individual, claiming that I owed {$490.00}, and was rudely instructed to make a payment before XXXX to receive a 30 % discount. When I explained that, it was waived due to my financial status at the time and I was told that physicians bills does not fall into the charity category, which I believe was a rude remark, when I never visited such a physician rather went directly to the emergency. I was never informed of such a debt for the past XXXX years and was never contacted by any physician 's office or the hospital for any claims.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AL)

I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
Consumer complaint received 2017-10-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX : Called the 4th time and I returned the call in which I asked for the XXXX guy who keeps reaching out to XXXX XXXX. I did n't reach him, but I explained this was n't the person number they were looking for and to drop the number. They said it will be taken care of. 

XX/XX/XXXX : Call after the 5th time and I tried to reach out to the company through the directory and that number does not allow me to talk to a representative anymore, it just disconnects.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I opened an account with Citibank for the sole purpose of holding security deposits for a rental property. I told Citibank that this was the purpose, that is, I did n't need any extra services for this account other than to hold the money and to write a check to outgoing tenants, which would happen at most twice a year. I requested, and was confirmed, that there would be no service fees on this account, in part because of the purpose/needs of the account and in part because I have been a long-time customer of Citibank that usually maintains a somewhat large balance in my main checking account ( currently $ XXXX, but over the years has been more or less than that ). 

The bank clerk signed me up for a Citigold account, which unbeknownst to me carries with it a $ XXXX/month service fee. I admit I should have been more vigilant about checking up on this, but I 've always had a good experience with Citibank, and had no reason to suspect they would do anything other than what they said they would do. In addition, because of the purpose of the account, I had no reason to check on the activity of that account. 

It was n't until about two and a half years later ( approx XX/XX/XXXX ), when I was getting ready to write a check to some outgoing tenants when I checked the balance and noticed that it was much lower than expected. 

I have contacted Citibank in person twice, on the phone two or three times, and written them mail about a dozen times. I will sometimes be offered relief on the fees going back four months, but they claim to be unable to do more than this. They will often tell me to contact the customer service center ( by snail mail ) but this has been the least fulfilling ; the responses usually indicate superficial comprehension.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

XXXX/XXXX/XXXX I reached out to Amerisave to refinance my primary residence. I advised them that I have both a foreclosure and a bankruptcy on my credit report. They assured me with the time since the bankruptcy there was no issue after they pulled my credit report. 
They started the refi process XXXX XXXX # XXXX XXXX They charged me up front for the appraisal. They had me change mortgagee on my insurance. 
Last week I received a call they can not proceed because the bank resold the foreclosed property in XXXX. The resale was between the bank and the buyer. My foreclosure was in XXXX. Despite providing all the documentation they requested, they insisted they can not proceed. I have requested reimbursement of the appraisal which I feel is only fair in light of the sequence of events. 
Since they are aware they use the resale date not the foreclosure date, this should have been disclosed from the onset. 
I feel this is an unfair practice. 
I now have to pay for a new appraisal since I am using a different lender.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I CHECKED MY EQUIFAX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX CONTACT PERSON XXXX XXXX XXXX XXXX ). EQUIFAX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.

Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.

At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). 
They have stated several times that I am a month behind, so I have made manual payments over the phone.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have a lien which was removed from the other reporting agencies upon verification that it was satisfied.Since XX/XX/XXXX I have submitted many disputes to Equifax by telephone, online, and US postat service.The online dispute either does n't work because of constant maintenance or the verification is flawed so that you ca n't complete the dispute online. After giving up on the online process, I called and was told to mail my dispute. I mailed a dispute the first week of XX/XX/XXXX and have not received an answer. Because of the lien rental/lease agents wo n't accept my appllication for a place to live. The lien is for {$67000.00}. Please help.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One 's system locked me out of my account despite the fact it was at all times current. In fact I 've made a full payoff at the end of every month without exception. I 've spent the last four days trying to make a payment but the account is locked and nobody at customer service can do anything to fix it. In frustration, I called Capital One 2-4 times per day for four days to get the account unlocked - nothing. After my last call I decided I could only pay by check and then cancel my capital one credit card. 

If I ca n't make a timely payment then I will suffer damage to my credit score. I owe money but capital one is preventing me from making a payment, as absurd as that sounds. The customer service consists of numb people reading from their script unable to actually fix anything. Its a terrible terrible company. 

One person suggested that Capital One does not want the balance paid in full so they can earn additional interest and late fees. Like XXXX XXXX, Capital One appears to be manipulating its payment process to force higher fees and interest.
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (OK)

The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. 

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. 

I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! 

I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Douglas, Chancellor, Meyers and Associates, LLC (TX)

I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I googled the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Van Ru Credit Corporation (CA)

I wanted to notify that there is XXXX ( or more ) people falsely operating under a legitimate corporations name in order to obtain personal information from people such as SSN, dob, names and addresses. 

After a repeated requests from my boyfriend for further information before he would provide any personal " verification '' they hung up. I researched the phone number and found they had been doing this as far back as 2009. 

I have listed their website below for your information and in case it assists you in any action you would like to take. I found it after listening to the original voice mail they left again and calling back " after business hours '' and receiving the recording. 

I just hope this is helpful to you in some way and they can be stopped from potentially ruining people 's lives and credit by stealing identities. 

Phone # XXXX Website : https : //www.vanruezpay.com