davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Consumer complaint received 2016-01-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

I had a equity line on my home. It matured after 10 years this year and converted into a principle and interest loan. this new payment quadrupled the original payment. This new payment will eventually financially break us and we will be forced to lose our home. Instead of waiting I immediately contact the bank who services the loan and asked what were my options. I provide them with all of the documents in hopes that they would be able to modify the loan which would allow us to continue on paying the mortgage. They came back to us and stated we could not sustain the modification due to the debt to income ratio. I pointed out the obvious that it was because the newly converted P & I payment was the reason why that ratio was now the case. Basically they told me that my options were 1. ) Apply for a refinance which made no sense since if they just denied the modification why would they approve a refinance. 2. ) Short sale my home or 3. ) Sell my home. None of these made sense to me, for one, we have never missed a payment ever. Two we have XXXX young children XXXX of which are XXXX year old XXXX and a XXXX year old XXXX son who has special needs services through the school system in the town in which we live. Which he will lose if we lose this home and have to move. In my opinion, this bank never took into consideration any of the extenuating circumstances of our situation nor did they consider the facts of the matter. They looked at the numbers provided and took nothing else into consideration including the fact that if we were able to refinance or modify this loan to reasonable P & I loan we would be able to easily afford the home the we live in. Instead they would rather watch as it goes into foreclosure. Peoples Bank is very difficult to deal with I have found this out through the years of dealing with them and I would like to find another option to rectify this situation. I am currently researching other options but I was told I should file this complaint anyways so that the incident was at least reported as another predatory lending operation gone awry. Thank you
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc. (NY)

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$34.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I opened a virtual wallet checking account with PNC Bank under a promotion that offered {$300.00} upon {$3000.00} dollars of direct deposits and a bill pay transaction. To the best of my knowledge I fulfilled those requirements, but after submitting a complaint to PNC, I was told I had not done a bill pay through " their ebilling '' portal. I linked up exterior accounts through PNC and paid them from PNC. They refuse to honor the promotion offered. In addition, there have been several charges made to the account that were not made clear to me upon opening the account. I have been very dissatisfied not only with the lack of clarity in there communication, but also the various customer services representatives I 've spoken to.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

As of XXXX/XXXX/2016, my account is overdrawn due to a transaction that should have never been allowed to occur. True, this was a preauthorized transaction, however, the funds were not there. I had a balance of {$3.00}, and the debit was for {$97.00}. PNC elected to pay this for me, even though the money was not there. 
I called the service center to explain that my account would remain negative until I received my next pay check, which would not be until the XXXX/XXXX/2016. I asked them why they paid the debit instead of returning it. PNC 's response was that they base it off of customer history. They acted like they did me a favor by paying the debit. 
At that point, I tried to get them to act proactively instead of retroactively. I explained that fees would still be adding into my account, and that it was n't fair because PNC should have never paid a transaction that the funds were not available for. The gentleman told me that the fees would have to be dealt with after they were incurred. I, as the consumer, do not have time to worry about whether or not PNC will refund these fees. I feel as if PNC is aware of the hardships they are causing their customers just based off of the complaints I have read in this database. They are charging fees that are unfair, and not allowing me time to fix the negative balance without charging me more money. 
In reality, they are causing a lot of trouble. Because the account has been negative for more than 4 calendar days, they are charging me a {$7.00} daily negative balance fee for up to 15 days ( totaling as much as {$100.00} ). By the time I am able to bring this balance positive, I will have incurred more in fees that the original debit. 
And because my account will have had a negative balance for fourteen days, it is a risk that it will go into a closing state. If that happens, then it will go on record that I owe PNC money, and I WILL NOT BE ABLE TO HAVE ANOTHER CHECKING ACCOUNT BECAUSE OF THE BAD MARK ON MY BANKING HISTORY. 
I have never owed money to a bank, nor have I put myself into that position. I would appreciate it if PNC took me out of that contention. 
I blame them for this whole issue. I think they are trying to get extra money from me, to the tune of {$140.00}, plus the original debit of {$97.00} ; totaling {$230.00}. 
This system PNC has is not set up for consumers. It is set up for them to maximize their profits by feeding off the little people.
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (MD)

I have been a PNC customer for over 14 years. I have a checking account and I have financed XXXX vehicles through PNC. I called today to schedule a payment for my Auto loan which will be paid off in less than a month. I was told they would no longer accept my partial payment. I have always paid partial payments in the 14 years of doing business with PNC. I am getting ready to purchase a new vehicle and assure you I will be going elsewhere for financing. I will not be doing business with PNC any longer! I am highly disappointed and will be closing my PNC checking account as well.
Consumer complaint received 2017-03-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Ashfield Management Services Inc, (TN)

I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, " XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about " serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise me?
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC (FL)

On XXXX XXXX I was given a loan for {$2000.00} from Mariner finance company.Because of my credit score they wanted to send a check to the company I wanted to pay.The {$2000.00} which I and the mariner manager endorsed was sent to XXXX, c/o XXXX.The check was sent out XXXX and received on XXXX/XXXX/2016 .The check was also cashed on that day .The next day I called XXXX and they informed me they had not cashed the check.What happened was that the XXXX envelope was delivered to a XXXX by mistake and they cashed the check.After many calls to Mariner finance they have still not located who cashed this check.The check in question is a XXXX XXXX XXXX check.I filled out a fraud investigation form through Mariner and XXXX XXXX XXXX on XXXX XXXX is now XXXX XXXX and they have still not found who cashed the check.My problem is that the first payment to Mariner finance is XXXX XXXX have still not received my money from Mariner.I have called almost every day and still they refuse to send me a replacement check for XXXX.XXXX to whom I wanted to pay is a high interest company that loans you cash and deducts money from my bank account every XXXX and XXXX of the month.Since this all started on XXXX I figure I have given XXXX around {$600.00} in interest.I need your help because it seems I am the one suffering dearly through this whole ordeal.Thank you, XXXX XXXX.XXXX, XXXX Florida XXXX.My cell phone XXXX XXXX and my home phone is XXXX ... XXXX
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Consumer complaint received 2015-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (NV)

ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.
Consumer complaint received 2015-11-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Nationwide Biweekly Administration, Inc. (CA)

I signed up for Nationwide Biweekly in XX/XX/2014 to save money on my mortgage loan. My husband and I decided that we could handle our payment the same way Nationwide does so I called to cancel the service in  XXXX. The representative told me that I could not cancel because they have not collected the service fee yet. She told me that if I call back after XXXX that I could cancel. I had no idea there was service fee and I was shocked when she told me it was a whole mortgage payment. If I had known about this fee I would have never signed up for the service. I believed that the two extra payments from XXXX and XXXX would go directly to my mortgage as an extra payment, not a setup fee.  I recently got an email from Nationwide saying my account is "temporarily" cancelled because they lost their agreement with their bank.  I have tried contacting them through email and over the phone. I haven't got a response through email and whenever I call customer service it says they are experiencing high call volumes and to call back.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (NE)

This was drafted on XXXX : XXXX XXXX quadruple charged my account ( total of {$880.00} ) and they sent a hold release form to my branch on XXXX in XXXX, XXXX. The branch told me yesterday there was no way they can actually remove the hold for me and to call the XXXX number on the back of my card. I called the XXXX number on the back of my card and they seemed confused as to why the branch could n't have just done it. She then put me on hold for about 15 minutes and said they ca n't release the hold but the hold DOES expire at the end of day and promised I will have my funds released back to me by tomorrow. It is now tomorrow and my funds were never released back to me - in fact, now my account is overdrawn. And since BOTW likes to be different, none of their branches are open on a Saturday to even put money into my account. I called the XXXX number again today and was told " sorry ma'am, we do n't know why the lady on the phone yesterday would tell you that your hold expires at the end of night ... it actually wo n't be released until Tuesday ''. I then asked to speak to a supervisor and this supervisor lady was EXTREMELY rude and has zero compassion to my situation. She said the only way that they can release my hold is if the merchant ( XXXX ) faxes them over a hold release form. I said they DID fax this over yesterday to the branch and the branch told me to call the XXXX number. She said sorry but I ca n't do anything since the branch is closed today. ARE YOU KIDDING???? I told her that I even have a copy of the hold release form that came straight from the merchant. I told her I could email it to her and she said they do n't have the ability to receive email ( yeah right ). I hung up extremely frustrated and in tears. I was promised my funds would be back to me today and now I have to sit all XXXX XXXX weekend with my account being overdrawn??? I ca n't even wait to dispute my overdraft fees!! Shame on the XXXX branch for not just taking care of this themselves and shame on the customer service people for providing me incorrect information and no willingness to help. 

Update : I got a response from BOTW only after posting about my situation on XXXX. Their response was email their customer relations ... they claimed they have " escalated '' the situation, yet since it was the weekend, response time would be slow. It 's now Tuesday XX/XX/XXXX and my account is still overdrawn, my funds were never released back to me and I have yet to be contacted by anyone, despite that today is now a business day. 

To recap, I was promised the hold on my funds would expire on Friday XX/XX/XXXX and my money would be available on Saturday XX/XX/XXXX. It 's now XX/XX/XXXX - my funds have yet to be released back to me and my account is still overdrawn. This past weekend was XXXX XXXX weekend and I had to cancel my plans because I had no money in my account!
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (MI)

A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back as of yet so over 60 days. im a human and i expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus but this is not an excuse to treat consumers this way.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Creekside Recovery And Capital Management (KY)

I received a call from someone who said I needed to call another number so she could stop from sending legal papers to sue me. I called that number and the person was so abusive, he had me in tears and said I could pay at a discount but had to pay that day or legal steps would be filed. This bill was supposedly for a XXXX home security system that was at my daughters house and I had unsuccessfully tried to settle two years ago. This call happened on XX/XX/2015. The number I was told to call was XXXX. I feel so stupid and this whole situation has been tough on me. I should have known better. I paid with my credit card because I was so intimidated. Now I feel devastated.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TIDEWATER FINANCE COMPANY, INC. (TN)

I was XXXX payments behind on my car payments, I called the office of XXXX XXXX to try and working something out. I told them that I can make XXXX payments in XXXX, if they can help me with the XXXX, then in XXXX I can set up a monthly draft and have payments come out that way. I was told that they will would do the assistance once I made those payments. Once I did they told that they would not be helping with the third payment. In XXXX the transmission was going out on my car, I emailed XXXX told them that I could n't make the payments and save for a new transmission. They told me that if Imake the payment that they have XXXX more option that will help me with that time. Once again I made the payment and they are going back on there word and what they told me
Consumer complaint received 2017-03-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlanticus Services Corporation (NY)

I was unable to make my XX/XX/XXXX payment to Fortiva and scheduled a future payment for XX/XX/XXXX. On XX/XX/XXXX, a transfer of funds between banks to cover the payment hit a snag ( my bank XXXX would not let me mobile deposit a check from myself to myself ). I filled out the contact form on Fortiva 's website withdrawing my authorization for the XX/XX/XXXX payment and scheduled the payment for XX/XX/XXXX. Despite the change, they still withdrew the payment on XX/XX/XXXX, without authorization. 
Fortiva does not email a copy of correspondence, nor did they ever respond to me. However, I do have a screenshot with my message and a confirmation that it was successfully sent to them via their website.
Consumer complaint received 2020-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (MS)

Company says " You agree to pay us a monthly handling fee in an amount equal to 24.17 % of the outstanding principal balance of your loan per month, or any portion of a month. This monthly handling fee shall not be deemed to be interest for any purpose of law. '' but at the same time has the following contradictory term that I have evidenced in a screenshot. These terms are contradictory and the company is admitting that the fees charged ARE IN FACT INTEREST. I will be disputing the inquiry on my credit report as this is a fraudulent lender if this fraudulent lender inquiry is not immediately removed.