davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
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: Phoenix Financial Services LLC (TX)

I called pheonix financial services to ask over the phone when the debt on my credit report in collections was incurred. I spoke to XXXX. They told me over the phone what it was and I never disputed the charges. Later, I saw a mark on my credit report saying a dispute was opened. I called them back and spoke to XXXX again and told her I was not disputing the charges. She told me when I called to request a letter, they automatically dispute it and told me they sent a letter to the wrong address ( one I have never lived at, so I am unsure of where they got that address ). I never requested a letter. I asked her to review the recorded phone call to see I never asked for a letter. She did, called me back and agreed, I did not ask for one. She spoke to her manager, named XXXX and they said they are unable to remove the dispute. I called multiple times with the same answer. They said it should have automatically fallen off and they don't know why it has not. I never diaputed this collection and they are reporting false information.
Consumer complaint received 2016-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (OH)

Filed Chapter XXXX Bankruptcy XXXX XXXX for 5 years. Student Loan included in Bankruptcy, balance {$27000.00}. Bankruptcy paid {$7000.00} over 5 years. Balance was {$20000.00}, XXXX XXXX. FAMS started calling me 1 week after discharge, saying I owe a total of {$30000.00}. I said could not be right Bankruptcy paid {$7000.00}. They said since they had it its finance and interest, so the Bankruptcy payments vanished, was not applied to the balance or they added money to the balance to bring it back up. XXXX from FAMS stated if I get in their payback program they will waive the finance and service charges. I have to pay a certain amount each month for 9 months. I had the payment come out of my bank account on the last day of the month, each month. XXXX XXXX I get a call from them stating my payments are not clearing that I will be put out the program and they would have to garnish my wages. I said NO NO that 's not possible, my statements show each month you received my payments. I had to send them a copy of my statement showing where the payments were going to FAMS. I did that but it was n't good enough. Talk to a Supervisor, she said she use to the banking world and she would need to see my entire bank statement. No you do n't, you do n't need to see my other transactions only the transaction that pertains to you showing where payment was made and cleared. They would not credit my account of the XXXX payments made to them, they want to set me up in the program again. I do n't think so, you took my money before, you will do it again, I will consult my attorney.
Consumer complaint received 2020-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (ID)

When we bought a new roof, we financed it through Foundation Finance rather than taking it out of savings, because the terms of the loan sounded so easy to handle. We were promised that any amount we would pay, additional to our monthly minimum payment, would automatically be directed to the principle of the loan. Once our roofing project was completed, Foundation Finance reached out to me to  confirm that the job was completed and that I understood the loan agreement. I specifically asked about extra amounts on top of our monthly payment going towards the principle amount, and I was reassured that this was the case. 

After a few months of making large payments, our monthly minimum started dropping, and the due date of our next payment was extended by about 6 months. 
I called in to ask if there was a way to direct my extra payments to the principle of the loan rather than applying it to the upcoming payments. They said that I would have to be up to date on the interest. There is already interest figured into our monthly payment, but on top of that, we are paying about {$4.00} per day in additional interest. When we made larger payments, we surpassed the accrued amount, but that still applied towards future payments, rather than the principle of the loan. 

We feel like we were misguided by the roofing company, but more importantly by the financing company who fully backed up the roofing company 's claims about the loan. We have decided to just pay the remaining balance off to avoid this, but we wish we would've known how this loan actually worked, because we would've selected a different loan.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CT)

I moved in XXXX XXXX, in XXXX XXXX I made sure to change my address linked with my Macy 's credit card. I received a statement at my new address in XXXX, but have not received one since ( as of XXXX XXXX XXXX ). I have made multiple attempts to remedy the situation and have my Macy 's billing statements sent to me with no success. I have made at least two attempts via email to request billing statements without remedy. I was even unable to change my email address linked with the account online. I have also contacted Macy 's customer service twice without being able to resolve the issue. When I called in XXXX, I was told it was taken care of and they were kind enough to remove that month 's late charge. I received no statement in XXXX. When I called Macy 's customer service this month, one day after my bill was due, I was told the changes were made and that it was the post offices fault, they also refused to eliminate the late charge I had just been given. When I asked to speak with the Macy 's customer service manager, I waited over an hour before deciding to contact consumer protection. I feel I have the right to my own personal billing information. The statements I am able to view online do not provide all the information about my account, which is why I would like the hard copy. I also have experienced difficulty with payments going through using Macy 's online payment system, another reason I would like to use the mail. I am very concerned about how this is effecting my credit score. I have made every attempt to pay what I owe and feel I am now acquiring considerable fees because of Macy 's negligence. I am even unsure what my balance is at this time because I have not seen a statement in over 6 months.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax , XXXX, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

The inquiries listed below must be removed no later than 4 business days : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

Tried disputing several times with Equifax. They wo n't take it off, and half the time their online dispute wo n't even work. Tried talking to a customer support guy about it and instead of addressing the issue, referred me to an article that had nothing to do with my problem and then disconnected on me. The XXXX accounts in question are the primary care partners ones, and I even attached proof that they were paid, which I will do so again. The document shows the credit card charge, which has the collection agencies account numer and phone number listed right there.
Consumer complaint received 2016-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over {$4000.00} to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website it states " forbearance prior to co-signer release may disqualify me and that a direct debit electronic payment may be necessary prior to requesting co-signer release. I paid {$200.00} which is more than requested this month ( my son died only 1 1/2 weeks ago ) so to put me into forbearance status when I made a payment and there were no payments overdue, was unethical.
Consumer complaint received 2016-10-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A. (MN)

I know that I had owed a debt to a credit card, I worked with a lady at Messerli & Kramer to set up some payment plan. This was nice, it worked and I received a letter stating that I owed more than what our original debt was. I was confused as was the lady I worked with. She then stated that she would be looking into the situation and get back to me. She never got back to me, but sent a letter stating that I owed one more payment of the agreed upon amount. I then received another letter later saying I owed more money. I called and was confused as to why I owed more money, they stated that it was legal fees and that I did owe it, but would look into it and get back to me. I did tell them that if I did owe it I would like to work to settle this issue with a payment plan as the fees were more than what I could afford at the time. I never heard from them and assumed the issue was cleared up. More than a month to two months later I have now a {$40.00} levy/ garnishment levy fee attached to my bank account as of today. I do n't agree with this as I have attempted to contact them about finishing up these issue and nobody has returned my calls or sent any letters saying this is going to happen.
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (GA)

I keep receiving harassing phone calls on a debt that I do not owe and that was fraudulently opened in my name, I have asked them to stop calling but they continue to do so.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Progressive Financial Services, Inc. (FL)

progressive financial services account # XXXX XXXX XXXX, Az XXXX XXXX this account is not mine. I have asked for this company to submit to me a signed contract by certified mail and to this day I have not received any information from them besides on my updated credit report it states verified, no change.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

I am requesting that the accounts that have no veirification of the proof of the debt must be blocked the information was never blocked and then XXXX XXXX and equifax never responded to my request take it up with the creditor when I call the creditor they have no departments that handle the issue and they say take it with the beuros
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fairfield Services M, LLC (NY)

Applied for a mortgage with Fairfield Mortgage Company in XX/XX/2016 and was approved for a mortgage in XX/XX/2016. It is now XX/XX/XXXX and still have not closed. I have been lied to about closing dates happening that never occurred. I continually get the run around about when the closing date will occur which leads me to believe they are not being truthful with me and continue to lie about what is really happening here. I continue to get lip service from XXXX, who is supposed to be the boss, that he was going to do this and that and there would be no problems ex.He said ( in emails ) that he would overide the 90 day period that the loan was good for ( never happened ) and talk to the President of the bank which he never did. Mortgage has been delayed because of mistakes made by this company that should not have been made if they knew what they were doing such as telling me to show a certain amount being withdrawn from a bank acct when in fact it was the wrong amount which caused a 3 week delay because I had to get it changed. I do n't believe they even have a bank for the mortgage but keep playing games with me till they find one. They should not be selling mortgages
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC. (OR)

I went to Kay Jeweler to look at watches. The employee asked if I would like to see how much I qualify for. I asked if it would show up on my credit score. I was told NO, so i proceeded. Two weeks later I receive a letter in the mail containing a credit card from Kay Jewelers. This is in no way what I was told would happen. The employees at this store are liars.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Pinnacle Credit Services, LLC (OH)

Pinnacle Financial Services reported to the credit bureau that they colected a debt of XXXX Dollars for XXXX services. The debt was paid in full to XXXX XXXX. After it was paid Pinnacle reported it as a closed colection. This constituted re-aging of the debt they never had any involvment In collecting thereby severley damaging my credit score with all XXXX bureaus. I never had any correspondence or communication with Pinnacle Debt Services. They have refused to provide me with and valadation of the debt. They are the subject of numerous complaints with the with the XXXX in Minnesota. They are a predatory collection Agency who refuses to follow the FCRA. How can a collection agency report to the credit bureau a debt that i paid to another agency in full. They are engaging in re aging of the debt.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (MI)

I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States!
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Where as Scottrade in XXXX XXXX, NV did close my checking account without my being notified in any manner or form as to policy changes. This account is a typical brokerage account where funds are deposited and or swept into by sale of securities. On XX/XX/2013, I deposited a check from my Scottrade account into my local Bank checking account for personal reasons. These accounts are in good standing with more than adequate available funds. As a long term customer with both institutions, I am presently without reason being falsely accused and charged for this check and the incurred fees. I resent the rude manner in which I am being treated by Scottrade and demand the resolution of this issue.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I have never received notice of debt from them and they collected {$2200.00} from my paycheck, never got noticed of what the debt was paid for and now they are trying to collect for another {$550.00}, I have check my credit file and I only show I owe them {$550.00} which means I have paid well over the amount due. I believe they have collected for a debt that was out side the states statue of limitations and is now trying to collected on a new debt.
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (IL)

I am still a student, and have attempted to submit deferment papers to the company unsuccessfully several times. They repeatedly return my forms citing excuses such as " the date is in the incorrect format, we need mm/dd/yyyy and you gave us mm/dd/yy '', " your bill has not yet been paid so we can not accept your deferment '', and " your bill is not yet due so it is not necessary for you to submit a deferment until next period ''. It seems as though nothing will allow them to accept the form. After the most recent return in which they cited " your bill is not yet due so it is not necessary for you to submit a deferment '' which was for my bill due XXXX XXXX of this year, I resubmitted a form at the beginning of this month ( XXXX ) so that I would not be liable to pay for my XXXX bill since I am still a student and it should be in deferment. They have simply ignored this form and I imagine they will wait until after XXXX XXXX to reject my form and tell me to submit another XXXX.
Consumer complaint received 2015-06-18
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (MI)

I have advised XXXX not to contact my Place of Work, several times I continue to get phone calls from then our calls are monitored. I also have spoken with one of tem last time they called, and advised i would call later to make arrangments the woman was so rude she advised they could not do that and good luck to me, I told that person not to call my place of work. Today same company called my place of work again. XXXX XXXX is the Man who called, they call from XXXX phone numbers to disguise who they really are.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (IL)

WHY IS THIS STILL ON MY XXXX REPORT?!!!!! IT NEEDS TO BE REMOVED DUE TO ID THEFT!!!!! NATIONAL CREDIT SYSTEMS!!!!
Consumer complaint received 2016-05-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (FL)

I recently had my credit pulled to purchase a home. I was advised that a collection was on my report from Performant Financial. I have ZERO collections on my credit and this was a unauthorized pull \. I contacted them and they advised i needed to call XXXX. When I contacted them they said there is nothing they can do and Performant needs to request to remove wich they refuse. Ifaxed a request to XXXX as well
Consumer complaint received 2016-12-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (MI)

Midwest Recovery Services LLC is trying to collect on a debt that is NOT mine and has NEVER been mine. I have never used their services for a payday loan nor have i used the services of the FRAUDULENT company they are collecting on behalf for a payday loan. How they got my information and managed to report this on my credit reports is bewildering!!! I could not begin to imagine that something like this would happen to anyone.
Consumer complaint received 2016-10-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Corporation of America (WA)

Firstly, Financial Corporation of America always sends debt collection mail without any detail of service. 

I received a debt collection mail, asking me pay {$61.00} to XXXX XXXX XXXX, for the service conducted on XXXX/XXXX/2015. There was no any details of the service and evidence of they contacted my insurance company already. 
I called them, and they sent me a XXXX lines service details. The original cost was XXXX and after insurance, I need to pay {$61.00}. 

I paid {$61.00} to them, although I was not that clear about the services, but I knew I did see doctor on XXXX/XXXX/2015. 

Then around 10 days later, I received another letter from Financial Corporation of America, which asks me to pay {$810.00} for the service XXXX conducted on the same day, XXXX/XXXX/2015. Again, there is no any details. 

Firstly, I paid after insurance {$61.00} already. Secondly, It is rude to ask people to pay without any supporting details. 

I demand Financial Corporation of America to stop sending any bill without details for the service and evidence that they contacted my insurance already.