davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (AZ)

I have had an auto loan with M & T since XX/XX/2014. The payment date is no later than the XXXX of each month. If the payment is made after that time then my loan would be assessed a late fee. I have made every payment for this loan prior to that date. The loan is issued to myself and another individual however I am the person who makes payment on the loan. Last month I made a cash payment to a teller in XXXX New York. At that time I had a issue in which the teller harassed me. I asked to speak w a manager and the conversation ended with her expressing to me that M & T would contact the people listed on the loan every day until necessary information was updated. I made a call to M & T customer service and filed a complaint. I explained that the representative at the branch made a verbal threat. They advised they would file the complaint and forward it to the proper party. Neither of us who are listed on the loan have ever been contacted about lack of payment or late payment until today. The other individual on the loan was contacted by an automated system. They called back and at that time they were told that the reason for the call was in attempt to collect a debt and that the account was delinquent. Which is not the case as the payment is always made within the warranted time frame given. They also told him that they had no information to contact me as their computers do not allow them access to the same information as customer service. I called M & T to find out the issue. I expressed to them my concern as to why the call was made to the other individual on the account as the company was making it out to seem as though the loan was in a delinquent status. I also questioned as to why if all my prior payments made have all fallen within approximately the same timeframe was a call made to him for this month. My concern essentially was that M & T was using this as a way to harass me due to the complaint I made last month on the XXXX. If my payment in XXXX was made on the XXXX and Prior to that on XXXX XXXX why all of a sudden M & T feel the need to make this " collection '' call. M & T has never reached out to either one of us prior to this point. My payments have never been made late but in retaliation to my complaint I feel as though M & T made this call to the other person on the loan in attempt to humiliate me. They tried to make it appear as though I was not " paying my bills '' or holding up my end of the agreement which could not be farther from the truth.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Management Partners, LLC (SC)

I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX, '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now, they have violated the FDCPA by contacting me by telephone after I sent a written cease and desist request.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX  XXXX  ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-04-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (MD)

When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IL)

I contacted TD Solutions LLC at XXXX XXXX XXXX address being XXXX XXXX XXXX XXXX XXXX, IL XXXX and I spoke with a representative by the name of " XXXX '' I reached out to the agency after viewing an amount owed on my XXXX I contacted the agency to resolve the debt and to setup a payment arrangement. I was not advised that the call was monitored and or recorded by the representative until after she had asked me for numerous pieces of personal information nor was I advised of the Miranda warning. I was only advised " this is an attempt to collect a debt '' I had stated to XXXX that I am currently unemployed and in severe financial hardship and I can only afford {$25.00} a month but that I am willing to pay, the representative then told me that in order to accept that I had to give them {$250.00} as a down payment I told her I was not able to afford that, at that point she said she could n't accept {$25.00} and I would need to pay what she was telling me and I would need to call back when I can afford that. I then asked to be transferred to a manager she said I would have to leave them a voicemail I advised her I wanted to speak with a live manager or a team lead if a manager was unavailable she told me my only option was to leave a voicemail then she continued to speak over me cut me off when I was talking and then hung up on me. I attempted to contact the agency back to speak to a manager but was unable to get ahold of anyone.
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (TX)

My prior complaint regarding an unauthorized XXXX XXXX has transgressed into aggressive collection by a XXXX XXXX XXXX North Star Locators XXXX. My wife as well as my employer have now XXXX received collection type phone calls regarding this erroneous account. I have received a letter from North Star telling me to respond within the next 30 days. This is my official response to them as well as XXXX. I have not intention of contacting either directly as the error is on their side, I have not authorized any account in my name through either institution. Any phone correspondence should henceforth cease. The error has been previously acknowledged by XXXX and the account was closed as a result. I previously requested some form of account validation and have received nothing but continued harassment for the past 6 months.
Consumer complaint received 2017-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (OH)

Usa funds has taken my tax return and i am on a rehabilitation program with them since XXXX of this yr. I needed that money to buy a car and pay my landlord rent an deposit where i just oved in. I hope this is the correct area to send this i really need some urgent response thanks
Consumer complaint received 2016-11-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: United Student Aid (USA) Funds (AZ)

These people continue to harass me and threaten to garnish my wages. In the last month they have made me submit the same information to them 3 times and each time threatening to contact me place of employment to withhold my wages even though I was still in the 12 month grace period because I had been unemployed. I do not have money to pay these people and will have to quit my job because I will not have money for gas to get to work. The following is a breakdown of my current wages and expenses. This has been an ongoing issue with USA FUNDS AND XXXX XXXX XXXX. BOTH COMPANIES CONTINUE TO HARRASS ME AND SEND ME THREATENING CORRESPONDENCE THAT MY WAGES ARE TO BE GARNISH EVEN THOUGH I HAVE REPEATEDLY SUBMITTED DOCUMENTATION THAT I BEGAN MY CURRENT POSITION IN XXXX 2015. IN THAT TIME THE COMPANIES HAVE ATTEMPTED TO GARNISH MY WAGES 3 TIMES IN LESS THAN A YEAR. 
I CURRENTLY MAKE {$36000.00} AND MY TAKE HOME PAY IS {$1000.00} EVERY TWO WEEKS WHICH EQUALS {$2100.00} A MONTH. 
RENT : {$1000.00} ( 12 MONTH LEASE ) ELECTRICITY : {$140.00} PHONE : {$150.00} ( 2 YEAR CONTRACT ) CAR INSURANCE : {$150.00} CABLE : {$31.00} ( 12 MONTH CONTRACT ) GAS TO GET TO WORK : {$300.00} ( I HAVE TO UTLIZE MY VEHICLE DURING WORK ) FOOD : {$250.00} ( I UTLIZE THE LOCAL XXXX XXXX FOOD BANKS TO OBTAIN EXTRA FOOD DURING THE MONTH ) THIS IS A TOAL OF {$2100.00} I HAVE NO XXXX MONEY LEFT TO PAY ANYTHING! 

SINCERELY, XXXX XXXX ATTACHED ARE THE BILLS FOR ALL MY EXPENSES
Consumer complaint received 2015-05-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS sent me another request for documents, requesting the same documents which I previously provided several times. I resent those records today, and then sent additional documents. SLS also again personally harassed me today, even after I have reported a similar incident. This morning, a car pulled into my driveway, rang my doorbell and then waited in my driveway for me for several minutes. I went out and asked what was going on, and a woman exited her car and said that she was from " SLS '' and that she had come to see if anyone was living at my home and also told me to call my mortgage company immediately. She also said that she left something on my doorstep. This is the same thing that happened to me a few weeks ago. I asked her if she had ever been at my home before, and she said no, but she looked like the same woman and the same passenger who had come to my home previously. She left me a " confidential '' note on my doorstep, but waited for me to come out of my house to walk up to me and talk to me also. I asked her why she had no identification and she said that she did not have to have any. She had XXXX county license plate number XXXX. She said her name was XXXX XXXX. The note inside says " Urgent Notice : please contact your mortgage servicer immediately, '' but then gives the number which is not SLS ' number. When I tried to contact SLS afterwards, they hung up on me XXXX times, so I could not get through to anyone to see why this had occurred and to ask why I was to contact SLS, and also to ask why I was given another number which was not SLS ' number. This is harassment. SLS has been given my contact information repeatedly. There is no reason for SLS to send persons to come and park in my driveway, wait to confront me personally, and leave me an " urgent '' notice on my doorknob, other than to harass and intimidate.
Consumer complaint received 2016-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC (TX)

It 's hard to believe the some other debt services that do n't have a better system while some of us are paying who are paying our bills with our continued original debt collection services are getting calls like these when they do n't know we have already chose them to make our payments.
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nations Recovery Center (NY)

A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (SC)

I am the victim of identity theft and became aware of that when my wife died in XXXX of XXXX. I filed the police report and I went to court when Banks claimed that maybe I used an alias. The process of this identity theft is ongoing and has not ceased even up till today. American Honda Finance loaned money for car back in XXXX and I found out about this at the end of XXXX. I told them back then that I was not in the country when that car was purchased. I provided proof of that to my attorney and they made that claim to XXXX along with the other things that did n't match my identity period American Honda Finance said that I did n't meet the burden and I 'm saying that they are lying and looking at information that did not come from me and they ca n't prove that I signed or was even in the country when that car was purchased. Please have them say what proof they have besides false documents and information that does n't match mine at all. 
The XXXX is aware that a license was obtained online fraudulently and they refused to give me a new license number because they did n't give it to the fraudulent person in person it was done online. And I have not lived in North Carolina since XXXX of XXXX XXXX years ago. My attorney submitted to American Honda Finance my social security card and my South Carolina license and yet those things are n't in the possession of American Honda Finance and yet they think they have a claim still. I asked very respectfully for them to prove to this entity what they think constitutes me being in two continents at once.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc. (MD)

I recently received a copy of my credit report and noticed some erroneous items on my credit reports. American Collection Enterprise Inc. is handling the collection of the accounts mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between American Collection Enterprise Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim.. Provide me with a certified copy of an original contract with my signature, specifically naming American Collection Enterprise Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in questions.
Consumer complaint received 2016-09-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC (TX)

I received a call that I would get documents delivered to me. They gave me a # to call. I called the # and was told that I owed debt to XXXX. That is I did n't make arrangements that I would get documents delivered to me. I asked for a validation notice as well as their Professional License # which they did n't provide. I was told that they would mail me the validation notice which they told me before that they would mail it and I never received it. I was told they were with litigations and they were working on behalf of Platinum Holdings who wanted them to sue me.
Consumer complaint received 2016-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Praxis Financial Solutions, Incorporated (TX)

I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. 
I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. 
I am also a XXXX XXXX XXXX XXXX Veteran. 
XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. 
Their collection Agencies is calling me after XXXX on weekdays and weekend. 
I am on XXXX for my Permanent XXXX Lifetime.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK (TN)

XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (CO)

XXXX XXXX breached wireless contract and failed to provide service to business line. Charged a termination fee and sent to collection although all service related fees had been paid in full. Had to purchase legal protection at a cost of {$1900.00} to date. Filed complaint with XXXX regarding the overcharges that occurred while account was active. No restitution was provided by XXXX. They instead sold to third party collection agency Pinnacle LLC who violated FDCPA guidelines. XXXX parties elected to report an amount owed of XXXX to all credit bureaus. Both XXXX and Pinnalce reported amount owed. Therefore it appeared as XXXX derogatory items on bureaus report. This financial defamation limited credit opportunities to include student lending while attending XXXX program. This caused significant financial hardship, and loss of financial benefits from XXXX XXXX due to academic performance.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (CA)

I attempted to pay a closed account through online payment 15 mins before their XXXX ET deadline and could n't get through to their website. At XXXX ET, I was able to login and pay and was still assessed a {$37.00} dollar fee. It is the second consecutive month where I was assessed this fee after paying minutes late due to login issues. All correspondence via phone with BarclayCardUS have been hostile saying that there were no issues and that no screenshots that I sent them would be accepted because there are no problems on their end.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (CA)

PINNACLE IS REPORTING A COLLECTION TO THE CREDIT REPORT THAT DOES NOT BELONG TO ME. THEY CLAIM TO BE COLLECTION ON BEHALF OF XXXX WHEN CONTACTED XXXX NO SUCH ACCOUNT NUMBER OR ANY ACCOUNT UNDER MY NAME OR SOCIAL WAS LOCATED. I ATTEMPTED TO REQUEST VALIDATION AND VERIFICATION OF THIS DEBT FROM PINNACLE ( HAVE PROOF OF SERVICE ) BUT ALL MY DEMANDS AND REQUESTS WENT IGNORED ... AND THEY ARE STILL REPORTING THIS ERRONEOUS AND FRAUDULENT COLLECTION ACCOUNT TO MY CREDIT REPORT THIS MUST STOP!!! 

PINNACLE CREDIT SERVICES # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX Balance : {$390.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$390.00} Original Charge-off : {$0.00} Original Creditor : XXXX Past Due : & gt ; {$390.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ;
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WI)

There is no way to set up auto-pay ( auto-debit ) to pay more than the listed payment amount. As per their FAQ page : " If you would like to pay more than the Current Amount Due, you can make an additional one-time payment by logging in to your online account, calling, or mailing a check. '' This is an unnecessary burden on those able to pay more than the required amount and is a terrible way to try to limit a borrower 's ability to pay back loans. This practice for private loans is also a cheap attempt to increase their own profits through additional interest income.
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MA)

Sallie Mae wants XXXX $ / month. I can not pay this with my other bills ( car insurance, phone, credit cards ) My Mom is the Co-signer & she is stretched to her limit too, already paying XXXX $ /month for my Parent plus loan, & XXXX $ / month for other student loans I incurred & XXXX is my brother 's. She 's a single Mom & is enrolled in a debt consolidation program for debt incurred in my first year of college in XXXX. She 's afraid Sallie Mae is going to sue her & put a lien on our house. Both myself & my brother still live with my Mom. ( Ages XXXX & XXXX ) We both make minimum wage. What can we do?
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coast to Coast Financial Solutions, Inc. (CA)

coast to coat financial, XXXX, ca XXXX, phone number XXXX, reported collection account on my XXXX credit report, this account belongs to a friend that used my identity and from my good heart, I paid the amount owed on the collection account, amount of XXXX please have the collection company remove this report, this is a fraudulent account that was opened without my consent, my name is XXXX , I live on XXXX, ca XXXX, and the account was opened on XXXX, ca XXXX