davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MD)

My auto loan through Ally Financial was paid numerous times but the company always called trying to collect late fees 2 days after the bill was paid up to date a fee of {$32.00} and then WANTED AN ADDITIONAL {$32.00} LATE FEE BOTH ON THE SAME DAY. tHERE WERE TIMES WHEN i PAID THE LOAN AMOUT AND PAID ADDDITIONAL MONIES BUT 2 DAYS LATER RECEIVED A LETTER STATING THAT A LATE FEE OF {$21.00} was still due. This went on the entire time for the loan. Mostly it was phone calls requesting {$32.00} late fees after the bill was paid up to date two days prior but I did finally receive a notice two days after it was paid requesting additional late fees. I have documented proof of both, additionally these letters and phone calls were generated a few days after the bill was paid. The car was repossed and I tried to pay one payment which Ally would not accept. I feel that I was a victim to a SIMILIAR CASE THAT INVOLVED A MAN NAMED XXXX, WHICH i SAW ON XXXX. wHILE THERE IS PROBABLY NOT TIME TO SAVE MY VEHCLE XXXX XXXX vin #  XXXX, XXXX title # XXXX, lein held by ALLY Financial XXXX XXXX XXXXXXXX, XXXX, XXXX   XXXX. Debt was collected from PO boxes in XXXX, XXXX. I am sharing my stories so that you can prevent other consumers from experiencing fraudulent activity from ALLY Financial. I have documentation that could not be scanned at my local library but will and send in addition. But Ally also has copies that were sent to me, if they are being honest. I will file other complaints and forward documentation to you with the file.I prefer correspondence in writing and duplicates sent via email, I have had numerous problems with my XXXX account and emails disappearing or not sent to my inbox, another complaint for another time. Thank you in advance for your time and attention.
Consumer complaint received 2018-06-16
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: EQUIFAX, INC. (CA)

On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ref # XXXX, PORTFOLIO RECOVERY ACC # XXXX and XXXX XXXX   XXXX/XXXX ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (AL)

On XX/XX/XXXX i sent a certified letter to NCC Business Services requested that they validate an account that they put on my credit to the credit bureaus. The letter was delivered and NCC have yet to respond. Per the fair credit ACT they have 30 days to respond or remove the account if they can't validate. This is very damaging to my reputation as a business woman and has hurt me financially.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (ME)

purchased a tread mill online through XXXX on XX/XX/XXXX. I decide that I did not want the tread mill and cancelled the purchase on XX/XX/XXXX. I also sent XXXX XXXX from preform an email to cancel the order. On XX/XX/XXXX the company tried to deliver and I spoke to XXXX XXXX ( XXXX associate ) and she said that the order was cancelled and I should receive a refund, the return # XXXX. 

I receive another bill from XXXX financing on XX/XX/XXXX, I called and spoke to a representative that informed me that the order was pending and the return should be processed in 10 days. 

On XX/XX/XXXX I received another bill from XXXX financing with late fee, I called and they transferred me to a collection agency. I spoke to the associate and he stated that they did not show a return and directed me to submit a claim form. 

I submitted the claim form however they show no record of it. 

They finally refunded the product but they did not reverse the late fee 's or correct my credit report. It is now XX/XX/XXXX and I am still dealing with this, it has almost been 6 months. 

I feel as if they are leading me in circles, this is ridiculous. I have never received the product ...
Consumer complaint received 2018-06-16
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: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCT NO XXXX IS REPORTING ON MY EXPERIAN AND XXXX FILES.EXPERIAN IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.
Consumer complaint received 2018-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (OH)

I received one letter, dated XX/XX/XXXX, from Phoenix Financial Services stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IN)

On XX/XX/XXXX, I had made a credit card payment through my account by accident while my bank account was negative, which would would balance out in the timeframe of my direct deposit. Instead, the bank allowed that ach transaction to go through before XX/XX/XXXX and assessed an overdraft fee of {$36.00}. At this point my account was negative, but as of XX/XX/XXXX they show on their record a return of that {$140.00} amount and assessed a {$36.00} fee for returning that amount. On XX/XX/XXXX, I attempted to call US Bank customer service to discuss transactions regarding my account since my most recent direct deposit from work. They informed me the amount wouldn't reflect as being refunded to my available balance, rather on their explanation that's something they do to show in accordance to federal regulations so they stay in good standings ''. So along with showing a returned amount that was NEVER refunded, they also penalized me another {$36.00} for an ACH transaction going through. Which according to them, is the way they treat their new customers. I attempted to ask for a phone number to corporate office, and I was informed they didn't have one.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (TX)

I pulled up my credit report and show a debt owed to XXXX XXXX XXXX, when I contacted them I was instantly told I was being transferred to a supervisor since I didn't not want to disclose my full ssn, once someone picked up I briefly spoke to a XXXX that advised this was a debt from XXXX XXXX which I show on my credit was charged off on XX/XX/XXXX, but XXXX is showing them I owe as of XX/XX/XXXX. I have never received any phone calls nor letters from XXXX nor was I aware of them until today XX/XX/XXXX. when I spoke to XXXX she informed this was being handled my a specialist and I needed to be transferred at that time I held until the phone hung up. I do not see how this company ( XXXX XXXX ) can report a debt onto my account that I am unware of and also without contacting me to try and verify this debt.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: M.A.R.S., Inc. (OK)

My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.
Consumer complaint received 2018-06-16
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: Experian Information Solutions Inc. (CA)

In XXXX I opened a credit acct with XXXX XXXX XXXX. In XXXX I was unable to pay the balance of the card. XX/XX/XXXX was the last payment. In XX/XX/XXXX they sold the acct to XXXX XXXX. XXXX XXXX listed the acct as a charge off/collection. XXXX XXXX XXXX is still displaying that I failed to pay in XXXX and it has it listed as a charge off in XXXX. This is not true. It was sold and closed in XXXX. If this acct is closed why are they still putting adverse remarks on my report. Not only is it listed as a derogatory mark with XXXX XXXX, it is also in collections with XXXX XXXX leaving two negative marks on my report. I have contacted both Expirian and XXXX XXXX XXXX,. XXXX XXXX said they sold the acct to XXXX XXXX and to contact them..SO not only are they putting adverse remarks on a closed acct but they are listing this debit as two different debt. It is not.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

I have had this HELOC for over 10 years. 

SLS servicing was sold to Shellpoint ( New Rez ) 2 months ago - this loan is an interest only loan. Typical monthly payment for the past 10+ years was XXXX a month. 

Shellpoint shows my payment at $ XXXX monthXXXX  called them to ask why the increase. Nobody could answer me. Tried to make a normal interest only payment to stay on time, they wouldnt accept it. Asked for supervisor multiple times. Supervisors were rude and said they couldnt tell me why my payment increased. 

Now I owe 2 payments at XXXX XXXX month. 

Very clear their accounting is off. I have never made a principle payment yet balance is not XXXX as it should be. They are applying principle XXXX 

When the loan was first in Shellpoints website, it said I hadnt made a payment since XX/XX/scrub>XXXX XXXX after complaining, they fixed that.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (PA)

On XX/XX/2018, I opened a checking account and a savings account at PNC Bank on XXXX XXXX. in XXXX XXXX section of XXXX, PA. I deposited 2 checks from my former employer drawn from their XXXX XXXX XXXX business account. My former employer is a nationwide company with more than 10, 000 employees. 

XXXX XXXX was the banking professional who open my accounts. I informed XXXX XXXX that I will need to have access to at least {$100.00} that day or I will need to explore other options. XXXX XXXX assured me that I would have access to at least {$100.00} by XXXX that night. At XXXX that night I did not have access to any funds that I deposited. Also, I did not have access to the online banking system as a result of not receiving adequate information regarding the " User ID Link ''. Which is a substitute for the Customer 's SS Number. 
The next morning, Thursday, XX/XX/XXXX, I contacted the Help Desk and I was informed of some special code to use which was not in my documents. I then called XXXX XXXX and he informed me that I had {$200.00} available in my checking account and {$200.00} available in my savings account. I verified this information by checking the online banking system. In that moment I attempted to pay my cell phone bill and the payment was declined. I then called the customer service were I was met with the worst customer service I've ever experienced. I was told that a hold was placed on my accounts. I informed them of the information the branch and the online banking was reporting. So in a matter of 15 minutes I went from having access to {$400.00} of the more than {$18000.00} I deposited to having access to {$0.00}. Also the hold time went from 5 to 7 days to now I will have access to my funds on XX/XX/XXXX after I informed the bank that I will be closing my account. The manner in which the access and holds were escalated appear to be retaliatory in nature.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I Sent my Dispute off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate ACCOUNTS LISTED BELOW XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (CA)

ON XX/XX/2018 I submitted a CFPB complaint asking that Santander provide me a copy of all three pages of my note showing where I accepted a Daily Simple Interest loan. Twice I have called the company and requested all three pages of my note ( which would include the term and conditions ) so I can review and feel comfortable that they had the right to charge DSI rate which extended my maturity date 8 months due to deferred payments and another 14 months due to having a balance at the end of my term of {$6000.00}. I have attached my original request and their response. In reviewing their response I still do not see where I signed for a DSI loan. That is all I asking for is proof that this is what I agreed to.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... 
It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (CA)

XXXX XXXX, the lender in question, claims that I applied for and received a loan in the amount of {$300.00}, ( {$250.00} plus {$45.00} finance charge ). I have applied and received loans from XXXX XXXX in the past few years, and never had any problems at all, until now. I don't understand what happened. I took out a loan from them back in XX/XX/XXXX, to be repaid by my bank, XXXX XXXX XXXX on XX/XX/XXXX. As you can see in the enclosed bank statement, ( highlighted in yellow ), XXXX XXXX debited my account in the amount of {$300.00} as agreed, on XX/XX/XXXX. It was the way XXXX XXXX and I conducted business ; I applied for {$250.00} loan, and they would debit my account on the 3rd day of the following month, period. I never had any issues with regards to not paying my loans with them. 
The loan I took out in XXXX was the last loan I obtained from them. No other loans were taken out. I attempted to take out more loans back in XX/XX/XXXX,  but they denied my requests stating that a loan was " not paid '', and that I had an outstanding balance of {$300.00} which had to be paid right away. I had no idea what they were referring to. I tried talking to them, to their manager at the store location, but they told me that the loan had to be repaid. I still do not understand what happened here, or why they're claiming that I owe such alleged loan. I have inquired with my bank, XXXX XXXX XXXX, to see if maybe I overlooked something, but they have had not " requests for payment ( s ) from XXXX XXXX   since the last payment was debited on XX/XX/XXXX. NO REQUESTS WHATSOEVER from XXXX XXXX. If I had in fact, taken out any loan ( s ), I'm sure XXXX XXXX would have had no problem debiting my bank account. At this point I do not know what to make of this matter. I am assuming that someone at the store location with XXXX XXXX made a mistake, because I have not taken a loan since the date above mentioned. One more thing, the name of the XXXX XXXX representative who signed the alleged contract at the alleged time of the loan, I do not recognize, since I remember most of the clerks ' names at this particular store location.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Camelot Financial Services, Inc. (OK)

I have and installment with XXXXXXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from XXXX. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXXXXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXXXXXX XXXX, which is right next door to XXXX XXXX. XXXXXXXX XXXX XXXX   are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.