davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (NV)

I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.
Consumer complaint received 2015-08-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: E. A. Uffman & Associates, Inc (LA)

EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them.
Consumer complaint received 2015-05-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Universal Account Servicing, LLC (IL)

I signed up for the real estate investor 's education with XXXX. XXXX has a relationship with the Universal Account Servicing ( UAS ) to finance the tuition. When I got the call from UAS asking me to verify my address, I told them to send it to the address they received from XXXX if they are associated with them. 
I received XXXX letters dated XXXX XXXX ( please see the attachment ). The first XXXX had the privacy policy. 
The second letter was dated XXXX XXXX, but the first payment was due on XXXX XXXX. 
The first bill received on XXXX was for the period of XXXX to XXXX ( 13 days ) and it already had past due amount of {$200.00}, interest charged {$35.00} and payment for those 13 days also {$200.00}. There was the new amount on the loan too. 
When I called them on XXXX to talk to them thinking without any doubt that they will correct all these errors on the spot, I was in for a big surprise. In a very impolite and unprofessional manner, they refused to correct anything, they said that the charges are justified and that they are in business of making money on charges, so there 's no way they will wave any of them even though it was the first bill. It is important to mention that they 're calling me every day several times, from early in the morning, while I 'm at work, but when I call them back, they are very uncooperative ( I have also attached the list of their calls ). I tried calling several times asking to talk to different people ( XXXX ext XXXX, XXXX ext XXXX, XXXX ext XXXX ), but I was never able to reach these people at these extensions. The last time I called and they told me they are recording the conversation, I said that 's a good idea and I will be doing the same because they are so unprofessional and not very knowledgeable in my opinion, and they simply hang up on me. I wonder how legitimate is this business.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed a dispute trough all three credit bureaus -- Transunion, XXXX and XXXX -- regarding my now-closed XXXX XXXX XXXX XXXX Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When XXXX XXXX  responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When XXXX XXXX responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my Transunion credit file to substantiate my claims.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NV)

After an unsuccessful foreclosure mediation which resulted in Certificate to foreclose was issued ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ) we requested a review and approval of a loan modification. From the original modification request, we have submitted the lender 's documentation request always in a timely manner. The lack of communincation with our lender negotiator caused the documentation we submitted each time to go stale and cause the lender to request the same information over and over again as if the underwriter never received what we submited or received it later than we provided it. Now we are faced with Foreclosure Sale Date on XX/XX/XXXX. We have submitted a new modificationm request and when we contact the lender for a confirmation of the documents it is confirm the documents are in review then we call the next day and something else is requested. All of which was already provided. Since we are still receiving the inconsistencies that we dealt with for the past year, we feel very worried that the loan modication package review will not be given the allotted time needed to request a postponement. As such we are reaching out the you in the hopes that our file will be reviewed in enough time to request the postponement. Through the whole year that we have gone back and forth with the lender and the documentation request process not once were we declined the mod due to the financial/hardship status, etc it was because of documents not received on time which baffles us. It seems that all of the documentation request we received advising a decision should be made in 5-10 business days or 7-20 business days ( info stated in document confirmation letters received from lender ) that after a year worth of this back and for we would have had a decision by now which would have not led us to our home risking a foreclosure.m
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

I have documented confirmation that my mortgage payment was mailed from my bank, XXXX XXXX XXXX, on XX/XX/XXXX. My mortgage payment was due to be received by Shellpoint Mortgage by XXXX. XXXX XXXX sent me documented proof that Shellpoint cashed the check for my payment on XX/XX/XXXX. I forwarded this documented proof to Shellpoint Mortgage on XX/XX/XXXX. I have not been able to call or speak to the department that handles payment disputes because Shellpoint refuses to direct my contact to that department. I have been repeatedly told that the payment disputes department will only communicate with me via mail or email regarding their research of my payment dispute. As of today, XXXX XXXX, I am continuing to receive notices of our delinquency on our mortgage. We have never missed a mortgage payment or been late on a mortgage payment since we purchased our home in XX/XX/XXXX. In addition, Shellpoint Mortgage changed their payment address in XX/XX/XXXX. We believe this is a contributing factor in their inability to properly identify and credit our payment. As a faithfully paying customer for nearly 20 years, we are extremely frustrated by this lack of competence, compassion, and understanding. We have invested countless hours attempting to resolve this issue with Shellpoint mortgage only to be told time and again that we are unable to speak directly with anyone who can help resolve our issue, and those denials are followed by repeated receipt of late payment notices.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Data Corporation (CT)

Please read Case number : XXXX because this is a continuation of that case that i thought was done. 

On Thursday XXXX/XXXX/2017 i contacted XXXX XXXX to say i got the credit card machine back and can use it. I gave her updated business checking account information and asked her if we were good and that it would not go on my Personal Credit Report because of the situation of the business being sold a year ago and not in control of the machine anymore. She said that we were good and that it would not go on my Personal Credit Report! 

On Monday XXXX/XXXX/2017 i checked my Personal Credit Report at night on XXXX XXXX and saw that it was on my XXXX Credit Report. Out of 10 years of being a business owner and leasing Credit Card Machines from other companies has this ever been on my Personal Credit Report. 

After i saw it my Personal Credit Report i called XXXX XXXX at XXXX and left a message to call me back ASAP. 

On Tuesday XXXX/XXXX/2017 i called again in the morning to call me back. Later on XXXX/XXXX/2017 at XXXX XXXX XXXX called me back and said she did not say that it would not go on my credit report, i said yes you did, she said no i did not, i said yes you did and then i asked if the conversation was recorded. 
She then said she will have boss contact me. Then we went back and forth, and she hung up on me. 
I then called back and left a message thanking her for hanging up on me. She eventually called me back about 15 minutes later saying she did not hang up and that she will have her boss contact me.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

I was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (CA)

I do not know what this debt from XX/XX/XXXX is. The current resident at my former address had several bills/debts in my name, that I did not sign for, authorize or approve. I recently found out that this may be one of them. The company is requesting I send them utility bills from XXXX ( which I do not have ) or a police report ( which I also do not have. ) I 've asked for a copy of the original executed contract/agreement for this service, so that I can see who signed for it, but the collection agency will not provide this to me.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: First Data Corporation (OK)

On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been working with Truist Bank since XXXX, XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, I was approved for a trial modification plan with monthly payments in the amount of {$1900.00}. I made payments in accordance with this agreement until XX/XX/XXXX, at which time Truist requested a new modification plan. On that date, I was enrolled in a modification plan which superseded the previous plan, with new monthly payments in the amount of {$1100.00}. 

Under the terms of the trial modification plan, three monthly payments in the amount of {$1100.00} were to be paid on or before XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made painstaking efforts to make timely, in full payments in spite of financial difficulties I was facing at that time. After the final payment due date of XX/XX/XXXX, Truist confirmed that the terms of the trial modification plan were fully satisfied and sent via overnight mail a packet of documents to sign and notarize in order to finalize the modification. These documents were signed and notarized, and returned to Truist on XX/XX/XXXX. 

I continued to make regular, timely payments to Truist in accordance with the modification agreement. On XX/XX/XXXX, a Truist representative contacted me by phone to confirm that the modification packet was received and verbally confirmed the terms of the modification with me. At some point in XXXX, XXXX, Truist again sent a packet of documents to sign and notarize, despite having already done so. Once again, these documents were sent back to Truist. 

However, since that time, Truist has repeatedly backpedaled as to whether the documents were received by them or not, and the subsequent consequences. Every phone call placed to Truist and every different agent I spoke to provided different, conflicting answers as to whether the second modification packet was received by Truist, and the status of the modification being finalized. I have fully complied with all of Truists requests before and during the trial modification period, and during all times after the trial modification ended. 

In spite of a very difficult personal family & financial situation, I have diligently made all payments in a timely fashion. Truist has cripplingly failed in their obligation to adequately service my account. My most recent conversation with Truist representatives indicated that due to not receiving the modification packet, the modification offer has been revoked and it would be necessary to start the process all over again, after nearly a year of working toward a resolution. This is completely arbitrary and capricious, and frankly unacceptable to treat customers in this manner.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

I currently get paid through SSI. The Bank that my SSI is paid through hasbeen double charging me for amounts between XXXX and XXXX respectivily for the past few years, I brought this to their attention and while they refunded some of it, they have now put my balance at XXXX dollars and cents. I can not access the XXXX roughly that should be in my account. They may have mis placed a decimal however I can not get anyone to look at it. 
I have called the Bank, I have tried Messaging the Bank, They will not resolve the issue that as of now even though there is {$830.00} roughly dollars in my account with only two withdrawels one of which is XXXX and the other XXXX I'm currently at an overdraft of roughly {$370.00}. I have tried all day to fix this. I have photos of the dates and amounts however they are not showing where the difference is in the missing money aside from the complaints I have Filed. If you want any more information I would be glad to provide as I have to inform SSI about all of this. I accidentally hit the mouse and see you allow for attached documents. 
Please contact me and I will in the meantime transfer the photo 's from my phone to my computer and upload them to you should you need them.
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened an account in my name and has had someone named " XXXX '' send XXXX of dollars in the last year. The account ends in XXXX and over the past year, I have received no less than 20 notifications that XXXX of dollars had been sent to me. I have called and walked in to a branch to complain about the account that was opened in my name and no one from Wells Fargo will close this fraudulent account. Closing my all of my accounts with them did not help. As of today XX/XX/2017, I am still getting notified of XXXX sending me money through Wells Fargo XXXX to an account that I never opened.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Property Address : XXXX XXXX XXXX. 
XXXX, NC XXXX Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). 
c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act 2009 XXXX 2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate 60 days XXXX rate XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.