davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Credit Services, LLC (WY)

I have repeatedly tried to contact Pinnacle Credit Services and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. Pinnacle tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called Pinnacle again this morning XXXX XXXX XXXX ) and was informed that they had been sold to XXXX XXXX Services. I was able to speak with a supervisor at XXXX who informed me that I would still have to pay via Pinnacle, but all of the phone numbers for Pinnacle go directly to XXXX. After calling a third time to XXXX, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.
Consumer complaint received 2016-10-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (WA)

RE : Creditor is falsely and misleading the amount owe on recent balance on my credit report. 
In a recent dispute with XXXX, Exeter Finance Corp stated the recent balance was updated to {$6400.00}. They also verified that the information they are reporting was verified. How is this possible? 
You are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. The account is charged off. 
This is a false and misleading tactic used by the creditor and is it illegal.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (TX)

Comerica Bank refuses to send legal proof : Comerica Bank refuses to send legal proof to support withholding {$4500.00} from my checking account. 

My current bank statement does not have a line item to support withholding {$4500.00} from my checking account and why I can not use my Check/ATM Card. 

See attached proof.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (GA)

Because I have earned more free air miles than I can ever use, XX/XX/2016, I accepted the offer of Fidelity Investment to take out a Fidelity credit card issued by Elan Financial Services. At the time I opened the Elan account, I completed an automatic transfer form so that any balances on my credit card account would be swept from one of the accounts I maintain at Fidelity that has approximately {$50000.00} at all times. 

Last Saturday, XX/XX/XXXX, I received via US mail a letter from Elan Financial Services dated XX/XX/XXXX. In the letter, Elan told me that " your automatic payment service has been cancelled ... .. '' This was my first notification of this cancellation, even though I received at least three prior messages from lan via email. 

After spending almost an hour on Saturday working on the phone between Fidelity representatives and representatives from Elan, I was finally told that the cancellation of my automatic payment service was the result of an on-boarding problem between Fidelity and Elan. It was stated to me that the account number ( the only account number I have ) on my Fidelity statement from which automatic payments were to be made was not sufficient for Elan to set up/or maintain the automatic payment service. Why it took from XX/XX/XXXX to XX/XX/XXXX for Elan to let me know this, and then by mail (! ) was not something Elan representatives wanted to discuss. 

And the representative I spoke with clearly did not believe in the legal disclosures she insisted on reading to me to effect the one-time payment I made before cancelling the credit card. During this reading, when I was essentially told to shut up and listen, she insisted on my confirming the correctness of an account number that Fidelity had provided on the phone to the representative. This was not an account number to which I had access. 

The Elan representative did offer to waive my late fees!!! But as today, that has not happened. 
.
Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (ID)

SPECIALIZED LOAN SERVICING has changed the terms of my HELOC, choosing to sell my personal information to non-affiliates. SLS declares that our Total Monthly Payment is roughly {$52.00} per month, for XXXX it is {$52.00}. When SLS assumed control of of our HELOC XXXX XXXX, 2015, I called to discuss my loan terms. I stated that we would send the monthly payment they required by mail, but I did not want a continued ACH draft against our checking account. I also disputed their freedom to share my personal information with non-affiliates. 

My bank is unable to determine which institution is drawing {$100.00} per month, and offered to charge-back the ACH which has occurred XXXX times. SLS now asserts their right to those funds, issuing a Mortgage Delinquency Notice on XXXX/XXXX/15. 

I recognize my indebtedness to SLS, but find their threats to adversely impact my refinance process to be reprehensible. Their report of a Mortgage Deficiency already appears to have impacted our credit score. 

I sought opportunity to refinance my mortgage and HELOC with XXXX to no avail. XXXX assigned XXXX ( XXXX XXXX XXXX ) to service my HELOC in the past. None of their past phone numbers are functional, and SLS provides only a contact with XXXX Bank, which has no information on my HELOC or any other account. 

I have asserted my intent to pay off the debt that SLS claims through a refinance. SLS 's actions threaten to accelerate payments or demand payment in full on the HELOC. They reject the possibility of refinancing just the HELOC. A neighbor succeeded in accomplishing this with a different servicer, so I know it is possible.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (SC)

I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.
Consumer complaint received 2016-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MD)

FIRST ISSUE : My student loans were serviced by XXXX XXXX. I noticed duplicate charges for all of my loans and requested an audit. XXXX XXXX stated they were working on the audit and would get back to me. I was then informed that my loans were being sold, and I would have to contact the Department of Education. I tried to resolve the issue with the Department of Education to no avail. My loans ballooned from {$190000.00} to a WHOPPING {$310000.00} with Fedloan!!!!!! I have requested an audit of my student loans, but it is falling on death ears. 

SECOND ISSUE : I have been unemployed, so I applied for the Income Driven payment plan, and recently re-certified my application 3 months ( XX/XX/XXXX ) prior to the payment due date ( XXXX ). I am currently working a temporary job with an agency as of XXXX 2016, and sent all of my income information to FedLoan for processing. After calling for several weeks to find out what my payment would be, in XXXX I was sent a denial letter that I was not eligible for the Income Driven Plan. After several phone calls, it was determined the paperwork was not reviewed correctly, and my application would be expedited ( 3-5 ) to correct the problem. In the meantime, FedLoan Servicing sends me a bill for {$3500.00} due immediately. I contacted FedLoan again, and was told an Administrative Forbearance would be applied to my account to halt all billing/payment requests until my account could be sorted out. XXXX I received another bill, now requiring 2 payments!!! One for the now delinquent amount of {$3500.00}, and another payment due XXXX XXXX for {$140.00}. I called back to find out what was going on. FedLoan stated that my account was delinquent by 33 days for {$3500.00}, and would be delinquent for {$140.00} if the payment was not made on time. FedLoan made an error in processing my paperwork, created a delinquency on my account refusing to correct the issue, and demanded the only way to resolve the issue was to have the {$3500.00} covered by a forbearance adding additional interest and fees to my account. I need help!!!!
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I have never received any letter from them stating that I have a medial debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely Do NOT have a contract with Collection Service of Athens. 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly. 
Last Reported XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical
Consumer complaint received 2016-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vantage Sourcing, LLC (OH)

I worked out a partial resolution to an outstanding bill for XX/XX/XXXX and XX/XX/XXXX that XXXX XXXX claims I owe. I disputed the debt yet XXXX forwarded the debt to Vantage Sourcing ( a debt collector ). XXXX referred the full balance that was due for XX/XX/XXXX despite the fact I paid for the services provided during that month. In fact, XXXX agreed I was entitled to a partial refund. XXXX also sent the entire XX/XX/XXXX payment to collection when they did not provide cellular service to me during that time.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX, 2022 on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name number Avant XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX U.S.C. XXXX ] section XXXX respect for the consumers right to privacy. 
15 USC 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MN)

Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed.
Consumer complaint received 2016-06-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MCCUE MORTGAGE COMPANY, THE (CT)

We signed a contract to purchase a bank owned property or short sale. Property address : XXXX XXXX XXXX, XXXX, CT XXXX. Contract was signed XXXX/XXXX/16 and XXXX/XXXX/16. Repeated communications in regards to moving forward. On XXXX XXXX we were advised that it was assigned to a rep at McCue mortgage and we would hear something soon. On XXXX XXXX after we inquired we were told that additional documentation was requested by the seller the week before and the seller was obtaining information. We were advised we would hear something back by XXXX XXXX. On today 's date ( XX/XX/XXXX ) we were advised by the short sale negotiator that McCue is VERY slow and they are likely another couple of months from an approval. They have not finished financial review yet, based on the financials they have asked the seller for. They have not ordered and appraisal or title report yet. Short sale negotiator states that they have had at least XXXX files with McCue in the last year and they are taking way longer than most other lenders. We are desperate. We will not have a home XX/XX/XXXX. We need to know if we will be able to purchase this home by then. We have XXXX children and need an answer as soon as possible.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.