davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: World Acceptance Corporation (GA)

I opened a small loan with this company who takes advantage of consumers having a hard time by giving them loans and charging an insane interest rate almost doubling the payback amount ... ... ... But I was struggling to feed my kids and keep my credit good so i opened a loan with the intention of paying it off and having a positive affect on my credit. 

XXXX into XX/XX/XXXX i defaulted on the loan because i was the sole income in my house and my fiance was a XXXX. He suddenty went back to work causing me to need last minute child care. I had to use my bill money to pay for care for my kids which set me back for months. I tried explaining this to them and they were very rude over the phone using profanity and just all around nasty. I still made a few payments after that trying to catch up but i just couldnt get back on track. This company also caused me alot of grief and stress as they would call my job to my BOSS 'S DESK PHONE ... ..ALL.DAY.LONG! Even after he asked them to stop calling they still called and almost caused me to get fired. The called my MOTHER and scared her as well and she doesnt even live in this state asking her for my wherabouts! They even came in person to my house and were yelling at me in front of my kids. 

This is very rude and unprofessional not to mention against collection laws. Fast forward to XX/XX/XXXX I paid them the balance IN FULL and requested as a coutresy for them to delete the reporting from the credit bureaus and they refused. I requested a call back from Manager XXXX who handles the Georgia offices XXXX times only to be ignored and never receive a call back. These people scared myself, my kids and jeopardized my job! These people should be ashamed and should be taken out of business.
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (IL)

I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I contacted portfolio record to pay the balance owed, and I have been paying it back since XX/XX/XXXX every month. I do n't understand why they reported my account to collections. This is what I was avoiding in the first place, which is why I have been paying them back $ XXXX/month since XX/XX/XXXX. Now i need this account removed from my credit report as collections
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (VA)

Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (PA)

in  XXXX     2017, I fille d a report with this company with the FTC, about a collection about the amount for  XXXX , for concept for the bill due for payment.   We did the report with the FTC and I sent the police report I did in date  X/XX/2017   .   The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. 
Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (OH)

This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equifax has deleted closed trade lines that would be considered positive, well before the 7-year and/or 10-year reporting time frame. By comparison, Equifax continues to report closed trade lines that would be considered negative. The other credit reporting agencies have continued to report these trade lines despite the fact that Equifax has removed them, without reason, and without being consistent with their other reporting methods. I would ask that Equifax investigate and re-add these missing trade lines to my credit report, since they are younger than the 10-year reporting threshold.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I 've been battling with XXXX XXXX XXXX since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX XXXX, subsequently XXXX XXXX XXXX  agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX XXXX continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however Experian and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX XXXX 's callous disregard for providing accurate information to Experian and XXXX is truly egregious and Experian and XXXX 's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have very little credit history, so when I try and request my credit report it wo n't let me because my address, current employment is not up to date and it has little credit history to validate as well. I just want to correct my address, and that I do not have an employer now, but I now receive XXXX as my monthly income now. I have also disputed quit a few open accounts on my report for various reasons and they are suppose to be investigating that but I have not heard anything.
Consumer complaint received 2017-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

Re : loan #  XXXX . In  XXXX  of  XXXX  my wife and I closed on the purchase of our home listed herein. The closing statement did not contain a provision for establishing a property tax escrow account. WFHM contacted me about  XXXX  of  XXXX  seeking me to acknowledge that there was an obligation for me to pay into such an account. Since then I have been paying, when due, all mortgage an  XXXX   XXXX   XXXX   escrow. Additionally, voluntarily, under coercion from WFHM, I have been paying sparingly contributions to be directed to property tax escrow. Since then I have been deluged with letters, phone calls and emails from WFHM coercing me to agree that I must pay into such account. This harassment has caused me great stress and mental anguish. On  XX/XX/XXXX  I received a letter dated  XXXX  from WFHM stating they redirected? the  XX/XX/XXXX  mortgage and  HO Insurance p remium escrow payment to an unapplied account. This action was done unilaterally and without my consent. I consider this type activity as fraudulent and dishonest. In the aforementioned letter WFHM continues to refer to a property tax escrow payment as contractually obligated. This reference is clearly wrong since there was no such provision in the closing documents as previously mentioned herein. The closing disclosure form emphatically states that monthly mortgage payment includes principal and interest plus t he HO insura nce escrow. Again, no mention of a property tax escrow payment requirement. I seek that WFHM acknowledge the fact that the contractual residential home purchase closing statement does not contain a provision for establishing a property tax escrow fund, secondly that WFHM cease all efforts to coerce me into acknowledging that one exists and collecting from me funds to be directed to that purpose, thirdly that all principle, interest a nd HO insurance escrow p ayments be applied as stated in my payment coupon.     This is a follow up to my previous above written complaint which went unresolved.  Wells Fargo  Home Mortgage sent me a letter dated  XXXX   XXXX ,  XXXX   ( a ttached hereto ) which does not address my above narrative. In the aforementioned lett er Wells Fargo Home Mort gage continues to demonstrate their fraudulent and unfair business practices. There is no due amount required as WFHM alleges. The contractual home purchase closing documents do not authorize or establish a  property tax escrow account. WFHM alleges that there is a VA flow-down requirement placed upon the borrower. However, when asked to produce the document to me to verify truthfulness and accuracy WFHM tells me it is confidential and would allow me to review it. Even when I agreed to a non disclosure agreement.
Consumer complaint received 2017-07-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tri-Counties Accounts Adjustment Bureau (UT)

Account XXXX is not licensed to collect in my state of Utah. The licensed expired XX/2012. This is reporting on my credit and they are trying to collect this debt from me in Utah ... And they still have not sent me validation of the debt.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted XXXX and Trans Union the same day. I was informed a second loan application had been made and that both were obviously fraudulent. XXXX assumed me they would seek to removed the inquiries and I have written Trans Union three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

Contacted the M & T branch in XX/XX/XXXX at XXXX XXXX to close my business checking account. I was advised that I need to remove the {$10.00} out of my account in order to close the account. They stated that after removing the {$10.00} they could send me a docusign to close my account. 

I then removed the {$10.00} and called back on XX/XX/XXXX at XXXX XXXX My called was answered by XXXX who repeatedly asked why I couldnt come in the branch. I explained that a drive to the branch is almost an hour round trip. I explained my previous call and that I was advised to remove the {$10.00} from the account and that they could send a docusign. She placed me on hold multiple times to speak to a woman name XXXX. 

Their branch then stated that I would be charged a {$10.00} analysis fee to close the account and that I need to ADD {$10.00} to the account. I inquired why I was asked to remove the {$10.00} to just redeposit the {$10.00}. XXXX had no explanation and was no assistance. 

M & T branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX is purposely playing games and will not close my business checking account. Please close my account!!! It has now been two weeks of going back and forth with them for a simple account closure.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NJ)

In  XXXX  of  XXXX , I purchased a  XXXX   XXXX   XXXX . The loan holder, is  Santander USA . During the life of the loan, late payments were submitted and I requested   XXXX   deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late.   My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On  XXXX   XXXX ,  XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for   the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer :  XXXX   XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is  XXXX   XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of  XXXX   XXXX , my remaining principle balance was {$8700.00}. Why?  Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

I set up a payment program for 60 months with them at {$19.00} some change a month in the system. They made a mistake and everyone in their system can see their mistake that it was said that the XXXX who I spoke with at the time. Open the page for a 12 month program and then closed it noting that it was a mistake and client ( myself ) would be doing 16 month program. They have defaulted saying that I did not make my payments though I had set them up automatically to draft on my account for the next 10 months. They said because the twelvemonth program was for {$50.00} a month though it was not set up for that and there was a mistake in their system that I. Would need to pay all the late fees and interest ( which there should be none the program is with no interest for the duration ) to start a twelve month program because it was showing a Default on the 60 month and couldn't no longer do this ( which I had not and they told me they could see I hadn't ) and would have to pay all the interest and late fees again this was in XXXX before my payment was due. I spoke with a supervisor there his name was XXXX XXXX said yes you have done everything correctly you are not in default and it was a mistake in the system he then sent an email to the hardship department asking them to correct it and my credit report so I could then resume payments before it went past my due date and to contact me when it was corrected. I did not receive a phone call I then called several more times in XXXX of XXXX, several more times in XXXX, several more XXXX and again todayXX/XX/XXXX when I have called they all tell me the same thing yes it may have been their mistake but there's nothing they can do unless I pay it up the balance should be {$780.00} and they are demanding a payment on the balance of over {$1700.00} ( as ofXX/XX/XXXX ). They refuse to correct the mistakes or my credit. I called again today (XX/XX/XXXX) and tried to resolve the issue but they once again refused to correct the balance or my credit so I can pay them. That's all I want is to pay them and never do business with them again. This has significantly impacted my life and my credit. Due to this I'm unable to make any changes or advances in my life or my credit. The duress it has put me through has been substantial and they believe they are untouchable and that I have no choice but To do as they have demanded and pay all this they have added on and they will continue to hold my credit and reputation at large unless I do so. I was told today they will not make those changes in correcting them as my balance owed or my credit report.
Consumer complaint received 2024-08-20
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. (FL)

I submitted a request to update incorrect information on my 3 bureaus on XX/XX/XXXX, along with my social and photo identification. I received a request back from XXXX with updated and completed. Experian received the same details and stated identification and social requested which was provided. XXXX has not followed up with the request d information. If XXXX received the same documents such as social and my personal Identification why would it not be accepted.