davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (WA)

I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau (IL)

This company said they sent me XXXX letter over 15 months ago with information about a debt. I do not have record of it. After repeated attempts to contact them, they were purposefully withholding information about the debt from me ( telling me to contact my insurance or the physician ). They would not send me any more information without my first sending them a written request, even though they verified my identity on the phone. 

After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request. 

They have terrible communication tactics, bad policies that do not make it easy for a consumer to obtain information about a so-called debt, and do the bare minimum ( of contacting people XXXX time then never following up ) on trying to resolve a dispute. 

They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (OR)

I received a call from a " XXXX XXXX '' who left a voice mail on my girl friends phone. She stated that charges are going to be filed against me and my social security number. She left no company name, no explanation as for the call except that charges would be filed against me. I want to see them ( Zenco ) in court in XXXX XXXX Oregon where I live, at least in court I can have discovery. I am afraid that some company like this will take legal action, for what I have no idea, and obtain judgment or press criminal charges without notifying me as required by law. I returned the call and left a message asking for verification of alleged debt or charges.
Consumer complaint received 2024-10-26
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: W&A Intermediate Co., LLC (FL)

I am a victim of identity theft. I sent XXXX certified mail explaining this and the fraudulent accounts that they are reporting are hurting my credit worthiness. they claim to have verified it with not contracts or agreements provided. What exactly are they verifying and where is the documentation showing my legal obligation to these fraudulent accounts. I have also contacted and reported them the the FTC.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

Seterus has been dragging out our 'deed in lieu ' proceedings for over a year, now ( XX/XX/XXXX-XX/XX/XXXX ). it is now XX/XX/XXXX. We were unable to keep up with our mortgage due to unscrupulous renters and our overwhelming medical bills. Seterus advised us that 'deed in lieu ' was the best option for us. But since then, they have repeatedly 'lost ' papers/docs and ask us to resubmit. Then, because of these suspicious or even manufactured delays, other docs expired and those had to be resubmitted. This, as far as I can remember, was all done by phone. I 'm not sure about there being a paper trail of this game. Now, Seterus has called and said they have lost the entire file and we must resubmit everything for them to be able to proceed. Please help us and stop Seterus from any more games or unscrupulous banking practices. I 'm sure they are violating some Federal guidelines or banking ethics or protocols. Please help. They have now bought an insurance policy on the rental and are billing us for it. This expiration of the policy we had on it was also due to their delays. 

XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Calif., XXXXe-mail : XXXXXXXXXXXX phone : XXXX : " Home '' below means the rental prop'ty not the home we live in. 
" Concerns '' over losing it means the manner in which we are losing it.
Consumer complaint received 2015-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been in foreclosure since 2008 on my home mortgage ... The mortgage holder is Bank of America , National Association, and the mortgage servicers XXXX ... I fell behind due to financial hardships, the economy and personal hardships ... I was put in active foreclosure and worked diligently to get a loan modification ... I was given a forbearance agreement and lived to the terms/conditions of the agreement by making XXXX consecutive payments on time ... I was not given a loan modification as I was told I would have to pay the full amount due in arrears which I could not do at the time ... I continued to try and work on a loan modification and continued to pay the monthly payments on time -- -some were cashed, some returned ... I finally had to put myself into Chapter XXXX bankruptcy to stop the sale of my house ... while in bankruptcy the mortgage holder sent to the courts a note completely different from the note they produced in my foreclosure case -- XXXX separate and disctinct notes with different signatures ... I discharged myself from bankruptcy and continued to pay my mortgage on time and have for the past three years ... I am afraid the mortgage company will start the sale process again as I have continued to send them information they request ( as I have at least ten additional times in the past ) and I do not foresee them granting a loan modification ... XXXX XXXX claims I do not fit into their mold for a loan modification ... XXXX
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PINNACLE RECOVERY, INC. (MA)

PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications!
Consumer complaint received 2015-10-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Danco Financial Services, LLC (GA)

I purchased a car XX/XX/XXXX XXXX very over priced ), Not understanding my rights or anything about buying a car. I paid {$2500.00} down, then {$500.00} XXXX deferred remainder of down payment XXXX two weeks later ; then started making payments of {$570.00}. per month starting two weeks after the {$500.00}. A month after the first payment was made the car broke down, I called the dealership and explained to them I was n't going to be able to make the {$570.00}. payment and pay to fix the car. They told me not to worry about it, they would help me make arrangements, two days after speaking with them they reposed the car. And refused to speak with me anymore. Years passing I got informed VIA my credit report, I had judgment against me. They 're taking 25 % of my wages, I 'm a single mother XXXX, with very little funds to begin with. I feel like they really took advantage of me and has possible done it to others.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XX/XX/XXXX, I contacted a reality company about doing a short sale on our property. We signed with them to do the short sale process and submittal of all of the paperwork. The reality company said to not make any improvements or any future payments because we were trying to do a short sale. The bank took until XXXX to respond to our short sale offer of XXXX which is the appraised value of the house. We were offered a loan modification but opted out because we did not want to keep the house due to being 48 % upside down, low income housing filled the empty lots in our neighborhood, and we had a home invasion in XX/XX/XXXX and theft the day we moved out. Plus financially we could not afford to keep the house which is the hardship we claimed on the shot sale. We vacated the house in XX/XX/XXXX to aid in the house being shown and move in ready. The reason for the denial was my credit score was above XXXX and that is the only reason given. We listed the house immediately in XX/XX/XXXX We had XXXX showings, but no offers. Our realtor decided to try again for a short sale since all of the non payments on the house have reduced my credit score below the XXXX and my Wife lost her job on XX/XX/XXXX so that added to the hardship. We started the process on XX/XX/XXXX and we received a certified letter on XX/XX/XXXX from XXXX XXXX XXXX, XXXX for the acceleration of maturity and stating that the house will be auctioned off on XX/XX/XXXX for XXXX. According to the paperwork, the house went into foreclosure status on XX/XX/XXXX. This is the only notice that we received about the foreclosure status and the process even starting. All of the new financial information and a new short sale offer of XXXX was submitted on XX/XX/XXXX. On XX/XX/XXXX I was informed by my realtor that Carrington Mortgage informed her that nothing would stop the auction from taking place on XX/XX/XXXX except for catching up the payments. I believe that since I still have PMI, auctioning the house and claiming on the PMI is the only way for the bank to get all of their money and that is the reason for not accepting 2 fair short sale offers and accelerating the maturity of the loan.
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

My loan went into default with XXXX XXXX XXXX for almost a year. I was working with XXXX to get a loan modification however after XXXX unsuccessful attempts to resubmit the same documents, we finally just gave up. It was causing undue hardship and mental stress to continue to provide documents again and again only to be stalled in the process. It 's very clear that XXXX was using stall tactics so that they would not have to move forward with the loan medication. In early 2015, I received a letter from XXXX that the loan was sold to BSI financial services. I contacted BSI who advised that they own the loan. I explained to them that I was continuing to receive foreclosure documents from the courts. BSI further explained that they now own the loan and will allow me to short sale my home. I advised BSI that I 'm not going to submit documents again XXXX times only to be stalled once again. BSI assured me that I did n't need to fill out any paperwork and instead they would connect me with XXXX of their preferred realtors to look at the home for potential short sale. Also, I would like to add that BSI advised that if the home did not sell within 60-90 days that they would accept a deed in lieu of foreclosure. They also advised that they would not hold me responsible for the difference whether its a deed or short sale. The realtor and BSI approved the short sale for XXXX and house was listed. Approximately 30-45 days later I received mail that a foreclosure judgment had been granted by the local courts. I contacted my realtor who advised that she would contact BSI to see if we could appeal to additional time to short sale the house. I never heard from her again. This week I received mail from the courts that BSI bought my home for XXXX. In essence, they sold the loan to themselves so that they can resell at a higher value. This is both unethical and fraudulent. They lied to me throughout the whole process and I seriously question if the realtor was in on it from the very beginning and has received some sort of kick-back for assessing the home 's value for them from the start.
Consumer complaint received 2015-11-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

On XXXX XXXX, 2015 there was a direct deposit made by job of {$80.00} to my Rushcard account. That same day Rushcard made a duplicate deposit of {$80.00} and then made a duplicate reversal of {$160.00}. I contacted the company on XXXX separate occasions to explain why this transaction occurred and when can I expect to have my money returned to me. On each occasion I was placed on hold for more than an hour and despite promises to rectify my account the money has not been returned to me. The last representative I spoke to advised that he would take this matter straight to the corporate office to resolve and would send me an email confirmation of our conversation. This was on XXXX and I have not heard from anyone nor did I receive the email. I am very frustrated at this situation and the lack of resolution.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My wife XXXX XXXX is on XXXX and receving Social Security benifits from XXXX. I XXXX XXXX got laid off from my work on XXXX. I recived my Unemployment benfits for 6mo that run out on XX/XX/XXXX. We told our bank WELLS FARGO to help us modified our loan ( espicially bringing the interest rate down from 4.25 % to the current interest rate ) sothat we can save few hundred dollars from our mortage payment which was {$1300.00}. Instead the mortage payment from XX/XX/XXXX went up to {$1400.00}. We gave all tha paperwork the bank requested back in XX/XX/XXXX but they denied our request to modificiation. They say the want to home owners who are struggling to make payments, either by modification or any other possiable way they can help, I dont see any of that happing with us. Please look deeply into this matter and hopefully help us with the whole situation. 

Sincerly, XXXX XXXX XXXX
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

On XXXX I opened a mortgage with XXXX XXXX XXXX in the amount of {$320000.00}. Due to issues I had no control over, we had to let the house go into foreclosure. Our last payment was on XX/XX/XXXX the Trustee Sale was on XX/XX/XXXX per the XXXX County Recorders office. XXXX is falsely reporting to all XXXX credit bureau 's wrong information and I have been trying to have them fix this for the past several weeks and still has not been resolved. First, they are reporting to all XXXX credit bureau 's that this account is still open and as of XX/XX/XXXX I am XXXX days past due. Second, there is a discrepancy in the account number that all XXXX credit bureau 's have and what XXXX has. I am at the mercy of XXXX to fix this and it seems that the individuals that are in charge of reporting true and accurate information are incompetent. I am currently trying to refinance my current house to a lower interest rate which would save me approximately {$75000.00} in interest. Because of XXXX 's inability to report correct information I am not able to proceed with my refi. I have uploaded all the documents that I have received from XXXX to all XXXX credit bureau 's to have them correct these issues but they will not due so.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

Car loan with XXXX XXXX XXXX is reporting monthly late remarks after being approved for a loan approve extension. Account should not be reporting as late on credit reports. Also late fees are still showing, and were to be added to the loan extenstion. And I am continuously robocalled numerous times a day about making a payment when my account is current.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

Today is XXXX/XXXX/2015 and I still ca n't get my {$1600.00} off my Rushcard!!!! It 's been 8 days!!! 

On XXXX XXXX, 2015 Rush Card indicated they were doing a system update, after the update thousands of customers including my self no longer have access to the money on their card. I have direct deposit set up through job that goes directly on to my rush card. They are holding {$1600.00} of my money. I just started my new job and already had to wait 3 weeks for my 1st check. I have called their customer service department over 35 times since XXXX/XXXX/2015, and have either been hung up on, several times, placed on hold before even speaking to a rep for over 3 hours! What company has someone on hold for over 3 hours just to talk to someone. On several occasions I was on hold for over 2 hours just to be disconnected as soon as I asked to speak to a manager. I want my money. I have bills to pay, not to mention I have had to borrow money to pay my light bill that is due today. I have had to catch a ride to work because I do n't have money for gas to get back and forth to my new job. There are XXXX people who are suffering and ca n't get access to their hard earned money, because XXXX ( Rush Card - XXXX XXXX ) is holding peoples money hostage. Not to mention they have a transfer feature on the Rush Card App, that did allow you to transfer money to anther Rush Card, of a friend whose card may be still working : but that mysteriously is n't working. Now that does n't work either. This is ridiculous! I want my money!!!!! {$1600.00} is not a little bit of money! I need my money to pay my bills! Why would XXXX not contact people and offer to send us a certified check???? If XXXX ca n't assist with fixing the problem then, how about you send people 's Direct Deposit back to their employers? How hard is it to just give people their money back??? XXXX & Rush Card are stealing/robbing people by not giving them their money!!! 
Desired Resolution : RefundDesired OutcomeSend me my money!!! {$1600.00}!! I want a certified check sent overnight to me ASAP! Close my Rush Card account and never contact me again!!!! I want them to give me my money that I earned and worked hard for!!!! 

Please help me!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX
Consumer complaint received 2015-10-23
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IL)

I have a Rush Card prepaid debit card, and my direct deposit posted to a card that I do not have nor exists, but suddenly showed up in my account after their " glitch '' on XXXX XXXX, 2015. I can not transfer my funds onto my actual debit card because the " card '' that my funds were deposited on is inactive. It 's inactive because it does not exist. I called member services through rush card and was told that my issue was escalated as high priority and within 24 hours they would transfer my funds to my actual account so they will become accessible to me. Instead. It 's 72 hours and nothing has been done. I keep getting the run around, and no one from their customer service can tell me how I can get hold of my money. My bills are do, my daughter needs food, and they refuse to help me transfer my funds out of this inactive card. I understand they did have technical difficulties over a week ago, but it 's been 11 days and their systems are still inactive and holding consumers funds? All I need is my funds transfered so I can withdraw my money.
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called XXXX ...
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

EQUIFAX NEEDS TO UNBLOCK MY CREDIT REPORT FILE OR FIX MY CREDIT FILE. I APPLIED FOR A LOAN AND THE CREDITOR WAS UNABLE TO GET A REPORT FROM EQUIFAX. THEY NEED TO FIX THIS ISSUE THAT HAS HAPPENED MANY TIMES BEFORE.