davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NC)

I filed a claim with Conns Home Plus back in XX/XX/XXXX for my insurance to be kicked in due to me being unemployed. They stated if I made the payment of {$120.00} the insurance company would kick in and pay the rest. I did just that and I noticed in XX/XX/XXXX that my account was seriously delinquent. The insurance I purchased never kicked in to pick the payments. I had been battling this for over a year. They stated that they never received my documents but they received the payment. They agreed to settle the account at {$900.00} then went back on the agreement then wanted {$1300.00}. The insurance made 1 payment of {$120.00} on XX/XX/XXXX. However my account has shown delinquent since XX/XX/XXXX. Its still affecting my account and on XX/XX/XXXX almost 2 years from initially applying they illegally pulled my credit again without my consent to do so. They have told me numerous of times this account would be deleted off my credit report and cleared through their insurance. This has not happened and is ruining my life. I need help in getting this resolved.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Neon Newco Corporation (AR)

What can I do to get the help that I need I made a transaction with the checking account side of my netspend cardXX/XX/XXXXfor XXXX $ onXX/XX/XXXXit came back that the bank dishonered it I then made a XXXX $ payment from the same acct transaction posted to utility company never came out of account. I contacted card company was told the transactions were never made because they are not in the history. I argued with this company about an hour and a half or more. I was treated disrespectfully got put back into the que line until another representative picked up I asked for a supervisor was disconnected, I called back asked for a supervisor or someone who could tell me why this happened got transferred and I let the phone ring for a good 5 minutes or so before I hung up and called back then I just kept getting repeated answers of the chrgs are n't in your history we ca n't help. Was n't even offered a dispute or payment inquiry nothing.i do have pictures of the dishonered letter my transaction history and where payments posted to other account if you want them.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XXXX XXXX 2017 I submitted a written request for validation of the debt under the Fair Debt Collection Practices Act. Specifically I requested the following required information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent Their response provided me only the information on their debt collection letters and my credit  report and non of the requested required information. At this time they are in violation of the FDCPA. I request they be ordered to stop all debt collection attempts and remove this item from further credit reporting.
Consumer complaint received 2017-06-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We had a second mortgage that was supposed to be paid to XXXX XXXX, n/k/a Select Portfolio Servicing ( SPS ) on XX/XX/XXXX.. SPS has records of transactions recorded after loan was paid by us on XX/XX/XXXX, and received by SPS on that date. However, the payoff as received by SPS was recorded as a different dollar amount than by us, and received on XX/XX/XXXX - a day late than the check was stamped received, and with transactions and fees occurring on the account for nearly two years after our XX/XX/XXXX payoff. SPS claims payoff was not received until XX/XX/XXXX. That is incorrect, as the payoff check is stamped as received by SPS ( f//k/a ) as XXXX onXX/XX/XXXX-- the date required for payoff, by payoff quote, to be received by. Further, transactions occurred after that date - including Broker Price Opinions, Foreclosure related fees, and forced placed insurance. We have requested from SPS that they  provide the name of the party that " paid out '' on the loan - prior to receipt of our payoff, received by them, on XX/XX/XXXX SPS has refused to identify the name of the entity or insurance company that " paid out '' on the loan, and by which our payment was diverted, not recorded as paid by us, and with fees accumulating on the account. Further, no accurate/valid discharge was ever recorded in our County Registrar 's office. All SPS can tell us is that someone paid out on the loan, and will not tell us who. We have no idea where the money went, and we request a full investigation, and accounting, as required under Dodd Frank new law - including changes to RESPA. SPS recorded an assignment and discharge in XX/XX/XXXX, in our County -- on behalf of XXXX XXXX XXXX XXXX, as trustee to a trust. - XXXX XXXX XXXX XXXX has no record of us or the loan. No Power of Attorney is recorded in our County -- our state requires an original Power of Attorney to be recorded. Thus, SPS is still acting as servicer, and we have requested numerous times as to the accounting of the records, and the reason why SPS still has records in possession, by which they filed a VOID assignment and discharge in our County Registrar 's office as recent asXX/XX/XXXXWe request an immediate accounting and response, under RESPA, and believe SPS will comply with the law.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A. (CO)

I paid off the balance for a credit card with PNC bank in XXXX. They would then lock me out of my account and leave no XXXX to get a hold of a human to get it unlocked. Today they would sent an email saying I need to make a XXXX dollar payment. I would call the number for assistance and all they did was try and get me to pay XXXX dollars. They would not fix the account or tell me what it is for.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (IA)

I have a us bank reliacard that my child support is deposited on. I had not used the card for some time to save up XXXX knowing my daughter was having XXXX onXX/XX/XXXX and i would have to pay the copay. I went to use the car at the hospital and it was declined. I went to a us bank location and it was declined there too. I called customer service at approximately XXXX XXXX and was notified the card was deactivated due to a unotherized deposit that doesnt match a withdrawal. After going through several managers i was told i needed to contact the the company making the deposit and cancel it. I called the company and they can not remove it as its been processed buy reliacard. I asked for the date of original purchace and it was a deposit of XXXX i paid for home security onXX/XX/XXXX. They held the deposit through my contract of XX/XX/XXXX. I then called reliacard customer service back and notified them of the dates and was told they dont keep records that long and XXXX would have to fax them all the info they have. XXXX does not fax but the could email how ever reliacard refuses to give me a email stating it can only be faxed. Besides that XXXX returned the payment with my card # that had expired in XX/XX/XXXXbut reliacard deactivated my current card that has a completely diffrent # and refuses to reactvate untill XXXX faxes them the paperwork. The management has refused to return my calls and actually had one manager lady tell me there is nothing i can do this is a goverment agency and my account is being investigated by their federal investigation department for money laundering. I am a XXXX XXXX with limited funds and rely on this money and in this circumstance for a childs XXXX. I have found hundreds of  complaints about Us bank reliacard for these exact circumstances. I have asked numerous customer service representatives, managers and supervisors for the number and name of this federal investigation agency but they all have refused telling me the dont have a name or phone number. There is something going on with this company that may not be legal and is certainly unethical. Ultimately they have deactivated my current card due to accepting a return of a deposit being returned with a card that expired nearly a year ago without notification. I dont know how im going to get the money back as us bank reliacard is unreasonable with their demands and telling me its my problem not theirs.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

So the complaint is against Caine and Weiner. I have sent over proof that I don't owe the debt amount of debt that they are trying to collect on. I a m being charged for a apartment that XXXX XXXX had had wrongfully accuse me of leaving a dirty apartment and for 3 months back rent. I have sent over proof that I don't owe the debt and they said that they have sent the information back to the original debtor so as to adjust the debt. Its been a month and I have gotten nowhere. I have worked with the boss a mr. XXXX and he is no help at all. Submitted below is copy of the lease as well as pictures of the apartment.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MD)

The CFPB needs to take action on this illegal activity that Citi Mortgage did and continues to do to consumers. Attached you will find the original DOT that was recorded in XXXX XXXX Public Records in XXXX XXXX, XXXX. You will see that the original Lender is XXXX XXXX XXXX. Also attached is a DOT dated XXXX XXXX, XXXX. This DOT purported to transfer this mortgage to Citi Mortgage. Here in lies the problem. XXXX XXXX XXXX went bankrupt in XXXX. Although XXXX is purported to be a nominee for XXXX XXXX, this is far from the truth. There is current law which clearly stated that XXXX can not be a Nominee for a defunct organization. This is highly illegal and I will continue to fight this with an attorney until something is done about it. Attached is also the XXXX XXXX XXXX Dissolution which clearly shows that they were dissolved in XXXX. This is the biggest kicker of all. XXXX XXXX XXXX was never licensed to conduct business in the state of Maryland, which voids any mortgage contracts that they initiated in the State of Maryland. It is evident that these actions are highly illegal and the CFPB needs to take some action regarding this.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (AL)

My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

I have contacted the company LVNV Funding on  XXXX / XXXX /   2017  and contacted them numerous times up till  XXXX / XXXX / 2017  and have explained to numerous representatives that I have paid the company  XXXX  on  XXXX / XXXX / 2017  and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted  XXXX  which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to  XXXX  and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from  XXXX .
Consumer complaint received 2017-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners Holding, LLC (TX)

First it was a guy ( XXXX ) that called before XXXX, leaving message on home phone that " The state had hired him to serve process '' then ladies started calling me at work repeating that the state had hired her to serve process. One conversatin I asked that she not call me at work and who she was with. She did not respond but said XXXX  had hired her. I told her to go ahead and do what she had beenh hired to do. Hung up and she immediately called my cell ( at work ) These people call non-stop all day with the same messgael I looked them up by the phone number ; different names sames message. 
This week I got a piece of mail. In internet research it appears mostly they are scamming people using scare tactics even if the person is not the correct individual. I got home yesterday to a total of 21 call from the number leaving no messages.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There is a report on my credit from a collection agency for {$510.00}. Not only is this agency reporting this, they are also reporting an address that I've never lived at. I disputed this with Experian and Experian had the nerve to say the dispute was investigated and left it on my report. It is very unfortunate that the consumer is left int he middle of the disputes with the credit bureau and their clients. The consumer always gets the XXXX end of the stick in these disputes, all your client has to do is have a name and they can destroy someones credit, whether its yours or not. 

I want this off of my credit.
Consumer complaint received 2017-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (NC)

I downloaded this active hours app on XX/XX/XXXX maybe. It gives you money for the days you already worked and then take back what they gave you on your pay day. Well my pay day was Friday XX/XX/XXXX they were supposed to take out their {$100.00}. They were supposed to do it the morning I got paid but they did n't. I called my bank and asked if they already took they money I was informed that they did. So I went ahead and withdrew all my money because I do n't a have a debit card right now. So after I withdrew all my money I had maybe XXXX in my account. Saturday I woke up and I had a message that I had {$60.00} in my bank account I did n't understand how. Today on Monday XX/XX/XXXX active hours were supposed to send me XXXX. And they did but I called my bank and they told me that {$60.00} was - {$60.00} due to the 5 insufficient funds transactions that were trynna be made. I was confused on how I had 5 insufficient funds transactions because I did n't have no card to make these transactions come to find out Active hours were trynna make transactions with my account that I had no idea about. I was told that they already took their money so why were they trynna make transactions with my account putting me and the negatives. My complaint it they are n't really what they say they 're about. They told me three times they would change my max for me to be able to cash out more money but they never did. Not to mention you have to reach them by email you ca n't call them by phone they do n't have a phone number so you have to email them so it takes days for them to reply. I just do n't like this company and I will be removing my information from them.
Consumer complaint received 2020-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

So i have cash app which is owned by square inc now i have had multiple direct deposits from my XXXX XXXX   unemploymemt i was supposed to recieve my retroactive unemployment the direct deposits are now 6 days late from when they were realeased by the XXXX ive tried to contact square and they just give me the run around i need help in recovering my funds
Consumer complaint received 2017-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CA)

I took out a Sallie Mae loan. I became XXXX while in school ( which I still graduated ) However, after my XXXX I was diagnosed with XXXX XXXX XXXX and could not work. They harassed me by calling me on SEVERAL different phone numbers. They have caused me XXXX XXXX and have threatened me with ruining my credit and my security. My mother had to file bankruptcy and she was the co signer, she was DISCHARGED from her debt, and they continue to contact her MONTHLY. I have had it with this company, giving them any money back makes my stomach TURN because they have been so EVIL. I do not even know what to do with them. They do not even have payment plans for struggling SINGLE mothers like myself, trying to work, do the right thing, and survive. I want them to leave my mother ALONE, she has been DISCHARGED of the debt. They are heartless company that I wish I would have never went with. They granted me a student loan in high hopes that this would happen.. to rack on as many fines as they possibly can. I have no intention of doing something about this matter. I will not succumb to their evil behavior to the working class people who are WILLING to pay back these loans, on a PAYMENT PLAN. Life happens, I had a child, shes XXXX now, I work 40 hour weeks, and barely have money for my bills, let alone a huge bill they keep sending me, along with harassing my mother.