davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (VA)

Pinnacle Credit Services , LLC has XXXX Open Collection accounts for a XXXX XXXX account that shows {$0.00} balance. I would like this removed from XXXX and therefore, my credit report.
Consumer complaint received 2019-11-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC (CA)

I received a call from ( XXXX ) XXXX saying they were calling from D2 Management, I spoke to XXXX and she was trying to get me to confirm my SSN, I let her know that I didn't feel comfortable giving them my SSN, i asked her twice were she was calling from and she said D2 Management, I asked her for their phone number and she said it was on my caller ID and she hung up. I called the ( XXXX ) XXXX - XXXX and a lady answered saying hello, I asked were I was calling to and she said D-2 Management, I asked her what it was about and she said they were collecting for XXXX XXXX and that they were doing it before XXXX  XXXX would take further legal action against me. I asked the lady for an account number to mail a check and she said that they do not take check only debit cards, I asked her again for an account number and she said that she didn't know what I was talking about and she said that she was going to get her manager, i told her that they are supposed to have an account number for my collections account and that they are not following the FDCPA rules and she hung up on me. I never recived anything from XXXX XXXX or D2 Management stating that I owe them.
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.
Consumer complaint received 2016-10-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo listed a mortgage account on my credit reports. 
I contacted them to be told that they had nothing in their system under my name, SS #, address etc. and that I should dispute via credit reports. 
I disputed the tradelines. 
They verified them as correct. 
I have never been able to get any information out of them or to even admit the accounts are on my credit reports. 
Later, a different lender pulled my credit. 
I called them to find out why. 
They also claimed not to have my info in their system, but told me if their name was on the inquiries it means I was on a list of loans they bought that had been in foreclosure. 
I told them I never had a loan go into foreclosure-they had no answer.
Consumer complaint received 2016-04-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OR)

I bought a truck in XX/XX/XXXX, paid all my payments on time to wells fargo dealer services ( wfds/wds ) except for the last few months. I was late and contacted the company to ask how much the payoff amount is so that I can pay it when I got my income tax. They told me the amount over the phone. Sent me a final bill with that amount and I sent a check. Once they cashed the check they then sent me my pink slip on XXXX/XXXX/XXXX. I thought I was done with them after that until I went to apply for a home loan and was confronted about a charge off that I still owed {$290.00} to wfds. This is when I contacted wells fargo about it and they said that they will not remove that from my credit report. I then filed a dispute with the credit reporting agency and neither the agency or wells fargo would correct the report on my credit. I am now seeking your help to have this removed from my credit as I have paid my truck off. I have paid them the amount they requested and then received my pink slip. I can not get a hold of anyone every time I call the number listed on my credit report for wells fargo three different occasions. I have been transferred to over XXXX people each time that say they ca n't help me and each time I call, wells fargo uses this opportunity to update my credit report with this negative charge off with a remaining balance leaving it so that it never falls off my credit report. They are being fraudulent by falsely reporting this on my credit report as it is paid in full. They are also falsely reporting a balance when their should be no balance as I paid them in full and that was the only way they were going to send me my pink slip to my truck. They have recently reported on XX/XX/XXXX that my truck is in repo status. They are also not reporting the original date it was paid in full which is XX/XX/XXXX. They have ruined my credit and have caused me extreme emotional distress as I can not obtain a car loan or home loan because of their false report. They need to let go of their tight grip on me. I paid them. I am requesting that they remove this from my credit completely or at least change it from charge off to paid with {$0.00} remaining balance with the original date it was paid XX/XX/XXXX. This company needs to be extensively investigated because I know I am not the only one they are doing this too. They ruining people 's lives. Lien holders do n't release pinkslips with a remaining balance.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (PA)

I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Consumer complaint received 2015-07-20
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (NC)

We our a military family who is executing XXXX XXXX. We opted to short sale our home due to the market in our area. We put our home on the market in XXXX with an offer in XXXX. The bank dragged their feet, repeatedly told us they did n't receive paperwork when I would receive a confirmation email, which I still have. Also, our relationship managers were unavailable, had full voicemails, and would n't return calls or emails. We are now on our XXXX relationship manager. Now, just recently they closed out our short sale due to improper paperwork, which is false. After, speaking with the default department we had to resubmit everything from day XXXX. Now they just reopened our short sale and our time is running out due to the move, XXXX XXXX, 2015.
Consumer complaint received 2015-12-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NV)

On XXXX/XXXX/2015, I obtained a payday loan for {$400.00}. Starting on XXXX/XXXX/2015, I have been paying back on the loan in the amount of {$100.00} each month. 

XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} The above payments totaling {$400.00} have been ACH debited from my checking account to repay the payday loan. As of XXXX/XXXX/2015, my payday loan account information on the www.castlepaydayloan.com website is showing an outstanding balance of {$20.00} that still needs to be paid towards the payday loan. When I contacted Castle Payday Loans customer service department on XXXX/XXXX/2015, to pay the remaining {$20.00} owed on the payday loan, I was advised that I still needed to pay {$520.00} towards the payday loan because the {$100.00} payments I have been making every month have only been applied towards interest and finance charges, according to Castle PayDay Loan 's customer service department. I asked to speak to a superviser regarding my account and was transferred to a superviser named XXXX, who advised me that I have not paid towards the payday loan and that the {$400.00} I have paid so far was only for interest on the loan. That is crazy and I do not understand how much money Castle PayDay Loans is expecting me to pay back for a payday loan of {$400.00}. None of their customer service representatives or supervisers can explain it to me to where it makes sense and so that I can understand. I want them to stop ACH debiting my checking account, but they will not.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was applying for an American Express Gold card so that I could purchase presale tickets. I told the agent I only wanted the card if it could be issued before the presale date. He assured me the card would be expedited so that I would have it within 2 business days. Based on this information I applied for the card and was approved. After it was approved, the agent told me that in fact the card would take XXXX to 10 business days to be issued. I spoke with a supervisor and explained that I was given false information in order to apply for the card, but was told there was nothing they could do about it. Further, they told me that the Gold card can not ever be expedited, which means the agent knowingly gave me false information in order to get me to apply for the card. After spending an hour talking to customer service, all they would do was try to get me to submit another application for a Platinum card. They do n't seem to care that their agent gave someone false information to get them to apply for the card. All they care about is that I now want to cancel the card. The credit inquiry is now on my credit report and I now have a credit card that I do n't want.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I would like my XXXX for XXXX fixed please. It is reporting in collection when it is in deferment and current and has been for over a year. I have called both XXXX XXXX XXXX and XXXX XXXX XXXX. I have XXXX Loans with them. XXXX is closed, paid in full XXXXis for XXXXand is in deferment, and XXXX for XXXX which is in default. The problem is you are still reporting in collection when account is in deferment and in process of being forgiven. I have contacted both XXXX XXXX XXXX and XXXX XXXX XXXX who both stated the loan is in deferment not default and is not in for collection. I have filed multiple disputes trying to get this fixed and I am ready to contact a lawyer this is ridiculous. My next step is going to be to file a FTC complaint as my numerous attempts to get this fixed is not working and I want this fixed.
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from Midland credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XX/XX/XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wrote this letter to complain about Trans Union for not following the Fair Credit Reporting Act guidelines. 
As I was browsing through my Trans Union credit report, I discovered that a credit collection agency by the name of XXXX XXXX XXXX reported me to Trans Union. The same debt is also reported by another credit collection agency known as XXXX. Trans Union never questions as to why the XXXX collection agencies reported me for XXXX debt that I had with XXXX XXXX Electric and Gas, or XXXX XXXX XXXX NJ. With that, I believe that Trans Union fails to follow the proper guidelines pertaining to the Fair Credit Reporting Act. Then recently, the same debt was reported to Trans Union by another credit collection under the name of XXXX XXXX XXXX. 
All XXXX agencies are now on my credit report with the same XXXX debt. I am asking that Trans Union does what it has to do to rectify the situation.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (MD)

On XX/XX/20 I called child support to report new employment. The worker reviewed my case and told me I was in good standing and didn't owe anything and also informed me that I had over paid. 

On XX/XX/20 I went on XXXX XXXX and discovered that my credit rating went down 24 points because child support put on my credit that I owed when I was already told that I was in good standing. I called child support and talked with a case worker about this and she told me she was going to put in a dispute for me saying that the information placed on my credit report was incorrect. 

On XX/XX/20 another case worker called me and informed me that she didn't see a dispute placed and that the previous worker never sent anything in. She then informed me that I would need to dispute this.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 've disputed an inaccurate bankruptcy with Transunion for several months now. Transunion consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Transunion has GEORGIA FEDERAL COURT - XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Transunion did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Transunion did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Transunion also did not add a dispute statement to the account within 30 days. Transunion received my previous dispute via USPS Certified Mail on XXXX XXXX, 2016. I pulled my credit report on XXXX XXXX, 2016 and there was no dispute statement listed with this bankruptcy.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX creditors have provided Transunion with information to update the accounts but Transunion has failed to do so. XXXX XXXX advised Transuion that my account should report paid as agreed with no late payments and XXXX balance. Transunion reported account closed with delinquent history of 61-90 days. Department of Education sent Transunion notice to delete my department of education account but Transunion refuses to delete the account. The other credit bureaus received the same notice from the Dept of Education and made the correct changes. Transunion is purposely working to keep my score in a low status.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX aka XXXX is innacuratly rsporting to ALL three agencies. I have disputed this through your system and I 'm more than confused as to how this is allowed to continue. On my Trans union, XXXX is rwporting XXXX negative and XXXX positive accounts. They are rwporting that I opened ALL XXXX accounts on the same day month & year totaling over XXXX {$.00} They are also reporting that I only paid XXXX month on all XXXX of the negative accounts yet I continued to pay for XXXX months on the positive ones. I submitted legal court documents stating in XX/XX/2013 XXXX filed a claim against me but dropped it due to settlements on all my accounts. the case againt me was settled and withdrawn and a year later they tried again to no avail and the case was dismissed against them -- yet, according to their reporting, even after the court cases, I continued to pay on only XXXX accounts. This is absurd! Then XXXX is reporting to XXXX as XXXX rents, they are reporting that I only have XXXX negative account and no positive accounts. They claim I opened the account on XX/XX/2013 and the amount was for XXXX for a term of XXXX month. How these agencies can not see the ridiculousness of this is beyond me, and both of these agencies claimed to have " verified '' this information. Well I wish to know HOW information is verified and I wish to have the verification myself. Last, they reported to XXXX XXXX negative accounts and XXXX positive accounts all opened the same day month and year totaling over XXXX {$.00} I have disputed and refuted this over and over. Credit agencies are not to allow innaccuries and its clearly OBVIOUS these reports are Innacurate. These actions by XXXX should investigated!