davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (TX)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (AL)

PNC Bank continues to XXXX customers ' hard earned money, while pleasuring their XXXX pockets. Their sly way of theft is worse than a middle-of-the-night intruder, stripping your home of its valuables. They get away with charging overdraft fees on pending transactions. They allow " retries '' on unauthorized debits that THEY have returned due to insufficient funds, resulting in NUMEROUS overdraft and return fees. It 's a vicious cycle, mastered by PNC to STEAL your money. 
XXXX and XXXX by PNC Bank. Justified theft by " fine print '' and NO help for the victims.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

None of your options were for me and i had to choose something in order for me to continue the complaint. 

i live in Texas and was filing a lawsuit against Transunion. I contacted the Secretary of State for Texas to get the information for their Agent of Process for Texas. Transunion provided Texas a company name of : XXXX XXXX at XXXX XXXX XXXX, XXXX TX. 
upon a google search there is NO building with that address. it does NOT exist. Transunion provided FALSE information to the State of Texas thus preventing consumers from filing a lawsuit against them having no local agent of process which the courts need. 
i have no documents to submit, but you can do a simple goggle search on the address and contact the Secretary of the state of Texas ( corporations division ) to authenticate the information i have provided.
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation (CA)

My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. 
My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Center, LLC (CT)

I never received a notice that I owed any debt. Checked my credit reports and found negative accounts. Sent out debt verification letters and cease and desist stating only to communicate by mail. They called me on XXXX/XXXX/2015 after receiving my letter sent out on XXXX/XXXX/2015 and I never received any letter or coerrespondance at all about the verification of debts. They have not removed the negative marks from my credit reports.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (CA)

Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.
Consumer complaint received 2015-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account.
Consumer complaint received 2021-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I am a Capital One cardholder. My payment due date is XX/XX/XXXX. On the business day of XX/XX/XXXX, I attempted to make my payment using the Capital One mobile app. The app, which has experienced significant challenge and seems inoperative much of the time, would not accept my payment. I next called the Capital One customer service department. I spoke to an agent and explained the reason for my call. He then told me he would be processing a payment but that I would get a late fee. I asked for a supervisor and received one. The supervisor told me that the payment was made by the previous representative and that I would be able to get the late fee waived. She specifically looked and told me the prior agent had processed my payment during the very call we were then on. 

The next day I called to make sure the payment had been made. When I found that it had not, I asked again for a supervisor. The supervisor explained that no payment had been processed by either the customer service agent or supervisor the day prior. I then made yet another payment. 

I want to make this complaint because it is in Capital One 's interest to improperly process payments. They make considerable sums of money on the late fee scheme. Had I not called in just to make sure, the payment would have never been made and Capital One would have surely notified the credit reporting agencies of my failure to make a payment on my account. 

Customer service in general is on the downward spiral, not just at Capital One, but everywhere. Extensive voice mail systems with prompts that go nowhere or do not address the issue and an over reliance upon one-way web site customer service is rampant and worsens with every day.
Consumer complaint received 2016-05-26
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.
Consumer complaint received 2016-10-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage continues to send me incorrect and inaccurate monthly mortgage statements. This has been going on for a substantial amount of time. Nationstar mortgage still has me under a forbearance plan payment and is incorrectly and inappropriately posting my funds to my account. Nationstar has failed to properly document and reflect my unnapplied funds balance to my account and mortgage statements. Additionally Nationstar has recently, as of XX/XX/2016, started to generate my monthly statements approximately 10-15 days earlier. Prior monthly statements complied with the " Periodic Statement Rule '' 12 CFR Part 1026.41. Nationstar refuses to provide me an explanation or reasoning behind inability to correcting these issues.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Credit Central Holdings, LLC (SC)

Collector came to my home honked horn for XXXX minutes with only my sick mother in law home. She finally came to the door and the lady asked if she was me. She said no she was n't. The lady demanded to know where I worked, what I drove, and when I 'll be home. She did n't tell the lady anything and asked the lady to leave the property. She refused and continued to raise her voice at my mother in law. She was asked to leave again and still refused. Mother in law said that she would call the cops if she did n't leave. Woman said that she would come back next time with officers to arrest me and threw a letter at my mother in law. Also note we do have no trespassing signs at several locations on property. 

Company also calls my phone several times a day and leaves voicemails that are threatening in manner demanding I call and resolve the matter before further action will be necessary. 

On another occasion she called my mother in laws phone ( never gave any number besides mine ) tell her to call her back and made it very known company and that she was trying to collect from me. My mother in law was a customer of company before bankruptcy. I assume that was how she obtained her phone number.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: The Receivable Management Services LLC (CA)

XXXX XXXX send me a renewal policy XX/XX/XXXX.The policy was much higher than the previous year. I decided to go with another company and I did not realize that I had to give decline in writing. 
A collection company R.M.S ( Receivable Management Services Corporation ) contacted me to set up a payment plan.I was contacted by XXXX XXXX XXXX. Agent I came to a payment agreement that XXXX XXXX negotiated with XXXX XXXX. 
The agreement of XXXX payments of {$160.00} totaling {$1200.00}. My first payment was on XXXX XXXX 2015. XXXX, XXXX, XXXX all checks were electronic and everything went smoothly. XXXX I send a check on the XXXX XXXX for the regular {$160.00}. I received a text notification that my account was overdrawn on Monday morning. I looked into my account and noticed that {$1000.00} had been deducted instead of the regular {$160.00}. I went directly to the branch and my banker contacted XXXX XXXX and asked to reverse the excess funds. XXXX thing happened XXXX we could not access the account as it had been closed. Keep in mind this was XXXX XXXX time on Monday morning. No one including XXXX was willing to help in any way as she was well aware of our agreement fully knowing that there was a serous over pay.After many attempts in the branch and within the coming days i tried with no success as no one was willing to discuss this.Every phone call was transferred to another person which led to nobody and finally it disconnected. The anger and helplessness was emotionally upsetting. Thankfully after evaluating my problem XXXX reversed the payment. I was told to close my account and open a new account. In XXXX I received a call from XXXX XXXX who said I owe money at first I could not believe she would call after everything that I went through.She was not apologetic. i was so disgusted I wanted nothing to do with them. I received a letter and called to be told that it was given to a law firm. 
I have not contacted the law firm .I need your help as they lied to me on several issues. They tried to grab money illegally and thanks to XXXX they saved me would have no recourse finacially to is to expensive to obtain a law firm..
Consumer complaint received 2017-02-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Westside Recovery Services, LLC (CA)

Second Complaint Against Debt Collector for separate issue. Debt Collector continues to engage in unfair practices prohibited under both the FDCPA and and CFDCPA. Debt collector is unwilling or unable to provide all requested and required validation items that I as a consumer am entitled to under State and Federal law. Debt collector is unwilling or unable to verify that they are entitled to collect supposed debt by original creditor and is attempting to charge interest on supposed debt without providing requested documentation that they are entitled to do so as required under Federal and State Law. Company has refused to identify their company 's agent of service and is unwilling or unable to produce documentation where I agreed to pay supposed debt or to pay interest on supposed debt. Company has previously willfully denied attempted communication via regular and certified mail and over the phone and has now refused to provide requested validation documentation.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I have been denied twice for a loan modification from Shellpoint in the last 6 months. My initial request went in XXXX and I should have been considered for the HAMP program that was still active. I have sent them proof that I can afford my mortgage payment and have asked them to add the arrears to the balance and give me a fresh start through the MHA program and/or their in-house programs. In the first review, the income that was calculated was not accurate and we were denied for lack of income per a discussion with Shellpoint representative, and so we submitted the package again via an appeal to the first submittal in XXXX XXXX. The denial letter of XXXX/XXXX/XXXX also states that the investor on our loan, XXXX has not given Shellpoint authority to modify our loan under HAMP and that the XXXX did not approve a Standard Modification because of the results on the NPV evaluation. 
The appeal was sent in on XXXX/XXXX/XXXX with the supporting income documentation. Shellpoint on XXXX/XXXX/XXXX once again denied our request, now for a different reason that was given to us over the phone. We are waiting for the denial letter as we write this. The reason that was given to us over the phone was something having to do with our property having equity. It sounds to us that the servicer and possibly the investor are just wanting to foreclose my property because there is equity and they would be paid in full, leaving me and my family of XXXX without a home. 
We believe that Shellpoint and its investor can work something out for us and have not taken the necessary steps required by the law to consider all options for us. They keep coming up with a different excuse to not approve our loan modification. Please help us investigate this servicer and investor, we really can afford to keep our home and now are stable to do so. We just need a chance.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. 

I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.