davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Media Collections, Inc (TX)

A representative from Joseph , Mann & Creed called and left me three erroneous voicemails for a person I do not know in any way. One of the messages was very accusatory, as though I was definitely the person they were hounding. I called to voice my irritation and request they remove my number and the same representative was extremely condescending, short and still rude. I demanded an apology for the rude voicemail he had previously left, to which he angrily retorted, " For what? For what?! '' Clearly, he had forgotten himself. He then apologized in a decidedly not sorry, smarmy tone. Not at all a pleasant experience for something I should never have been involved in.
Consumer complaint received 2015-12-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (NM)

I noticed a debt on my credit report from this collection company, Transfinancial in XXXX XXXX, for {$150.00}. I contacted them to pay and was repeatedly yelled at and hung up on by a female employee. I then contacted the hospital directly and found out there were XXXX debts, ( XXXX for {$150.00} each and XXXX for {$210.00} XXXX, totaling XXXX. I paid {$300.00} on XXXX XXXX and {$210.00} on XXXX XXXX, 2015 directly to the hospital since multiple attempts to pay the collection agency failed. 

When I paid {$210.00}, I confirmed with the hospital that Transfinancial will be notified of the payment in full that day in accordance with their policy. 

Yesterday, ten days after paying all debts, Transfinancial posted on my credit that the account totaling {$210.00} was seriously past due and in collections. This debt has never been posted on my credit when it was actually due. It is incorrectly and illegally posted since the debt was paid in full and the posting was after the debt was reconciled. This should have never posted in the first place.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2016-11-22
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Recovery Management (CA)

I am responding to a letter I recieved in the mail indicating that I owe a fee of {$1500.00} for a vehicle of which I do not own any longer.The letter was sent out to me on XX/XX/2016. I have not been the owner of this vehicle as of XX/XX/2016 as the vehicle was repossessed. I have paid all fines and tickets pertaining to the vehicle while it was in my possession. I am not obligated to pay the stated amount in any form or fashion. This response is an attempt to debunk this claim of debt. I would like to know why I recieved such a letter.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased on XXXX 2013 with a promotion for24 months no interest I called to confirm and they advice on how to pay the minimum plusthe required additional money in order for me to pay it on the 24 months, I did that and alsowas reflected on the statements and after the 24 months they double my balance and toldme that have no record because their system is only for 12 months and could n't help me, Ihave all the records for the 24 months along with the promotional card and phone callrecords, I am XXXX years old and I do n't think is fair to be abused by a big company. 
I am only attaching the critical statements but I have all 24 months if you need them Thanks
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX Transunion removed XXXX inquiries from my credit report. I received alerts from numerous sites which I use to track my credit progress. About a week later they added the inquiries again. I called regarding the unlawful reinserting of deleted information and after being placed on hold for 2 HOURS they tell me they are only removing XXXX inquiry. I have called 3 times with no help. These are the companies and inquiry dates that they removed and then added back added back XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. 

I attached the report where they removed the inquiries on XXXX/XXXX/XXXX and if needed I can show the report from when they added it which was XXXX/XXXX/XXXX.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Robinson & Associates (CA)

I 'm a XXXX was working for the XXXX that I was contract with, XXXX in XXXX ca. They did not pay me for my services I took a load from XXXX to XXXX and back. My truck broke down they advance me some money to fix it but on the way back they kept the rest of my pay and now they been reporting on my credit over {$6200.00} that I owed them. This is an abuse to my self as an employee of XXXX!
Consumer complaint received 2017-01-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. Thank you
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (OH)

This is in regards to my previous complaint to Key Bank. You denied my claim because I 'm a signer on my own checking account??? That makes absolutely no sense! Someone used my debit card without authorization and you 're unwilling to help me. Why? Because it 's going to take a little work on your part? 

Well, I went ahead and did most of the work for you. Just to review my previous complaint, I have {$5000.00} in unauthorized charges on my account from a XXXX. This company is illegal in the United States and to any U.S. citizens. Now, I went ahead and got in contact with XXXX to find out where my money is. It turns out that the " purchases '' on the debit card are actually deposits into a " brokerage '' account. I use quotes because it 's a sham. Now, I actually got them to give me the login info to the online account where my money is. It showed that it was all there. So, I told them I want to withdraw my money and they closed the account and wo n't give me anything back. I even told them that my card was used illegally. It does n't matter to them. They 're just in business to ripoff credit/debit cards. So, that is what has happened to my {$5000.00}. I just want it back!
Consumer complaint received 2016-01-25
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (TX)

I have an account with Western Union. I make a transfer every month using their service. I am pretty satisfied with their service. However, something happened this last transaction that bothered me and I feel compelled to submit this complain. 
This is a transfer I make on a monthly basis to XXXX, where I have a business. The money sent is used to make payroll for the local employees. I requested an online transfer on XXXX XXXX, 2016. WU website informed me that the transfer was recorded and on XXXX XXXX they withdrew the money from my bank account in USA. Generally within three days the money is transferred. However this time there was no money transferred and so I contacted WU and an agent told me that everything was fine and that the money will be available on XXXX XXXX in my account. 
I realize there are regulatory compliances to fulfull while transferring money overseas, and accepted their delay as normal. 
Generally Western Union would immediately send me an email confirming the request I have made. Most of the time, it would mention that the transfer is on hold pending investigation. Since I have registered with Western Union and have provided them the reason for the transfers ( which is for expenses in the business ) they advised me to wait a few hours and they would release the funds after the investigation is completed. I would generally receive a confirmation of fund transfer about two hours after I make the transfer. This time though, they did not send me any email and when I contacted them a few days later, told me that everything was okay and that the money will be available on the XXXX in my bank in XXXX. 
On the morning of XXXX XXXX I received an email from that saying that I need to contact them regarding the transfer. After I contacted them, they failed to give me any reason why they did not contact me earlier, or did not tell me that there was a hold on my transfer the week before. 

I would like to get an answer from Western Union why they are refusing to give me an explanation.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

In an open case # XXXX, I just disputed Citi 's regulatory complaint spec XXXX XXXX pretty lame excuse for ( as experience numerous times ) allegedly misapplying my payments. All of the checks and money orders XXXX XXXX mentioned were mysteriously applied to a closed account ending in XXXX. All had the " account number '' written on them. In XXXX Citi stated I never sent the money but would investigate. Citi is just being retaliatory towards me for involving my Congressmen re : the previous Citi matter where they tried to take advantage of me. Do n't understand how with all of their " specialist '' they misapply money. In addition, Citi ACH 's my checking account for {$70.00} towards the balance of said account ending in XXXX. It 's obvious in addition to being revengeful Citi is trying to soak me for as much money as they can from me by any means necessary. For now I stopped the ACH 's and will send them {$50.00} each month until this matter is settle.
Consumer complaint received 2016-02-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

I had a mortgage with Wells Fargo and did a modification in XXXX in which they reduced the mortgage by {$92000.00} and then sent me a XXXX stating it was {$81000.00}. I recently sold my home and I needed to pay the money they reduced from my loan which to my understanding was {$81000.00}, however WF and Hud stated it was {$92000.00}. I went around and around with both agencies until Hud advised me to call WF executive complaint line in which I did and spoke with a XXXX XXXX XXXX who was very rude and condescending who did not listen to my complaint but rather continued to talk over me until I hung up on him. He then followed up with a letter, but again he did not address my complaint which is why did WFB send me a correction regarding the Hud partial cliam. He instead did what he did over the phone which was add up the charges that equal {$92000.00} but never addressed the correction of {$81000.00}. In reviewing the documents sent to me by WF the Loan modification agreement ( Deed of Trust ) states the original principal amount is ' {$300000.00}, they reduced the unpaid principal amount due ( payable ) to {$220000.00} when subtracted from the original balance of {$300000.00} is {$79000.00} ( {$1500.00} ) difference of about the required modification payment of {$1100.00}. When I stated to both Hud and WF that the repayment due was {$81000.00} not {$92000.00} I hit a brick wall. I received copies from Hud of the Partial claim deed they received from WF it was for {$92000.00}, however they did not have a copy of the CORRECTED copy sent to me by WF dated XXXX for {$81000.00}. This corrected copy was not filed as stated per the document. Additionally, WF reported to the credit bureaus that I was late with my payments for 120 days, I was not late, as I paid the required amounts set up by WF for the modification process until it was complete. Per the statement indicated on the documents by WFB they would report to the credit bureau " late payments, missed payments, or other defaults my be reflected. I signed an agreement with WFB for the modification and I made the payments as they required and I paid the on time. I was not late, I did not miss nor was I in default. They ruined my credit and caused me to have to receive a higher interest rate for the purchase of my new home. I believe WFB has acted in a less than honest manner in handling my modification and I ask that you would conduct a full investigation. I have not been able to resolve this issue with WFB as they did not address my concern regarding the correction of the partial claim from {$92000.00} to the {$81000.00} which is what I believed would be due to Hud at the sale of my home. I paid Hud {$92000.00} in order to complete the sell of my home but I have disputed this amount and continue to do so as of this letter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

FCSI continues to attempt to collect a final bill from me on behalf of XXXX XXXX XXXX, despite the fact that -- as the attached documentation shows -- the amount XXXX XXXX XXXX owes me ( {$180.00} ) exceeds the amount of my final bill ( {$150.00}, according to XXXX XXXX XXXX ; {$160.00}, according to FCSI ), as a result of developments stemming from the month-long DSL outage that caused me to eventually terminate my XXXX XXXX XXXX Services this past XXXX. Note that in addition to the damage sustained when my XXXX Service went down on XX/XX/XXXX by the modem I had purchased for {$91.00} from XXXX on XX/XX/XXXX, I was forced to pay Clear {$54.00} on XX/XX/XXXX and another {$43.00} on XX/XX/XXXX to replace my DSL Service while it was down, whereas XXXX XXXX XXXX refused to compensate me for either the loss of my modem or the expenses I incurred as a result of the month-long DSL outage.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MI)

On XXXX XXXX, XXXX, Specialized Loan Servicing LLC ( " SLS '' ) ( investor and servicer ), owned by XXXX, and XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX both located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX illegally foreclosed on my property in violation of state and federal statutes. In XXXX XXXX, XXXX XXXX XXXX Bank, XXXX. sold the loan and servicing to SLS and assigned a new loan number. XXXX Bank XXXX, XXXX XXXX remained as the Trustee. As of XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX. never filed the transfer of servicing with XXXX XXXX XXXX XXXX and the XXXX number associated with my home shows that the XXXX status is " Inactive '' and the servicer remains XXXX XXXX XXXX Bank XXXX located in XXXX, XXXX. Also, the Assignment of Mortgage with the county Clerk/Register XXXX is invalid since the old loan number has not changed and the new owner and servicer have not been recorded. A Lis Pendes was filed with the county Clerk to clarify the ownership of the property since a civil lawsuit was filed with the district court seeking damages. XXXX XXXX XXXX Bank, XXXX. was contacted to change the information in XXXX, but the Assignment of Mortgage should also be changed with the county Clerk/Register of Deeds. XXXX XXXX XXXX Bank, XXXX. confirmed that they made a mistake in not properly recording the documentation with XXXX and the county Clerk/Register XXXX. Therefore, Specialized Loan Servicing LLC and XXXX Bank XXXX, XXXX XXXX were not in a legal position to initiate foreclosure on the property. The last Assignment of Mortgage for the property was dated in XXXX. XXXX XXXX XXXX Bank, XXXX. was made aware that a civil lawsuit was filed against SLS and XXXX Bank XXXX for wrongful foreclosure based on state and federal statutes.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (NC)

At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). 

I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. 

Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.
Consumer complaint received 2023-10-10
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. (FL)

I'm so disappointed! Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Experian Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
XXXX XXXX XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

In XXXX, XXXX XXXX which was the loan holder at the time now taken over by Navient, when the original loan was issued in XXXX my ex-husband XXXX XXXX, XXXX & his wife, XXXX XXXX forged my name & signature on the Parent Plus Loan online electronically using my name XXXX XXXX XXXX & Social Security Number from their home computer used all my personal info so they could obtain the loan & unknowing to me. This loan also did not need a co-signer since it was a Parent Plus XXXX which did not need a co-signer. So 8-1/2 yrs. went by & they were paying the loan, when suddenly they stopped due to financial reasons & stuck me with the loan. I tried every local resource the Dist. Atty., the local police, gathered all the information I could submitted it to XXXX XXXX ( at that time ) they claim there was nothing they could do even though it was identity theft. Long story short, I feel that due to the identity theft & fraud using my naming I should not be responsible. I addressed this w-my son & they brainwashed him & he told me my dad, XXXX XXXX, XXXX & his wife, XXXX are paying XXXX of his loans & basically he would not pay this loan at all and is now estranged from me over it. Pls. I need some help on this as I can not afford it to continue to pay it.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.