davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

I used my card on Thursday XX/XX/XXXX to make a purchase for {$7.00} from XXXX XXXX grocery store. Before making this purchase i checked my US Bank app to make sure i had sufficient funds, at that time my app showed that i had {$23.00} in my account. After the purchase of {$7.00} it showed i had a remaining balance of {$16.00}. I then made a purchase for {$9.00} at XXXX 's XXXX XXXX that evening. I should have still had money remaining according to what the app showed previously. I didn't think anything of it and didn't check my account again until the next day Friday XX/XX/XXXX around XXXX. At that time my account was overdrawn by - {$43.00}. I was definitely surprised when i saw that. I immediately called US Bank and was advised that when i made that purchase at XXXX grocery store i had overdrawn my account. As you can guess i wasn't happy, i explained to the customer service rep that according to my app i had the funds to cover the purchases i made. The rep told me there's nothing that can be done as that's not what they're showing on their end. I voiced to the rep that something was obviously wrong with their product, the app and that to me as a consumer that was deceitful, because it doesn't show the same information. I explained that according to my us bank app i had a balance of XXXX left after making that purchase at XXXX and that that was in the completed transactions sections not in pending. The completed transactions showed a balance of XXXX and then in the pending transactions you see my purchase at XXXX 's, a XXXX cents XXXX purchase, and then you see an overdraft fee in the amount of XXXX applied. which caused the initial overdraft amount of - {$43.00}, which included a XXXX charge of {$11.00}. I've called the bank 3 times since i noticed the overdraft and the company was unwilling to help me. I then contacted XXXX and XXXX and had the transaction reversed and moved to a different payment method. they were kind enough to refund me. On Saturday once the transactions started to post i was assessed another overdraft fee overdrawing my account in the total amount of - {$78.00}. {$72.00} we just in overdraft charges the other {$6.00} was actually money i ended up overdrawing. I went down to the branch Monday XX/XX/XXXX to pay the over drafted amount of - {$78.00} so that it didn't accumulate any further fees. I am disgusted with US bank and can not believe they do this to their customers. If there is another class action lawsuit due to their crooked practices i will be a part of it this time, if this is not resolved.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On XX/XX/2015 The Mortgage LOAN attained from XXXX XXXX XXXX was transferred to XXXX XXXX XXXX XXXX. Mortgage LOAN Number XXXX was unlawfully SECURITIZED by XXXX XXXX XXXX XXXX representative ( s ) agent ( s ) contractor ( s ) and is trading on the stock market today with CUSIP Number XXXX Symbol XXXX. 
I have sent certified letters and Affidavits of Fact and the response I received was inadequate. I requested XXXX XXXX XXXX Compliance to answer the following two questions : Was a Trust formed at the inception of this LOAN? 
Is the Trust being utilized today? These two questions were NEVER answered. Ms. XXXX NEVER responded regarding SECURITIZATION of the LOAN that was generated by my signature and thereafter used to fraudulently construct surety instruments for Profits.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2018-06-29
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. (MD)

I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still Equifax fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. Equifax continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue Equifax if they continue to report false info on my credit.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX who is not doing anything they are sued for taking people home fulse foreclosure everything they do is only a road to take people home. 

I get hundreds adds every month lazy unsuccessful real state agents cricket attorneys who want to pay cash for my home its stressfull I hate checking mail my XXXX XXXX is constantly high
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

called and sent a letter to the collections agency and the orginal creditor and the credit bureaus, item was removed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and added back on in XX/XX/XXXX.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments on the date below : XXXX 30 days late as of XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX shows no late payments. There are clear discrepancies between the credit bureaus in the credit history. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (TX)

My job was impacted by COVID19, and I look for a job 35 hours per week. They will not work with me on deferring my loan. They absolutely will not work with me. I spoke with a lady named XXXX on XXXX/XXXX/2021 at XXXX XXXX CST. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Delta Management Associates, Inc. (DC)

Basically, a company called " Delta Management '' had been calling me saying I owed money because I had a defaulted state loan from the XXXX XXXX XXXX XXXX. They said the debt was not paid on time, so they took the loan, they said they tagged extra money onto the loan, and I need to pay it. I asked if it was a scam, because they ask me my birthday, SSN, before they say anything, and it seemed very sketchy at first. But I have been paying XXXX $ /month for years now. I saw some people review online that the company was a scam, and I just wanted to make sure I haven't been scammed. Can you please help me with this issue? I am happy to provide my information later.
Consumer complaint received 2018-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ReliaMax Holding Company (MD)

I took a loan out with ReliaMax lending services to pay for a pharmaceutical sales course online ( XXXX ) thru XXXX XXXX XXXX XXXX XXXX. 
As it turns out the course was a scam and a way for the instructor to make money. Meanwhile I am still responsible for this loan. I do not want to pay for something that was a scam and will not get me anywhere. The instructor got sued in the state of Colorado a few years back.Therefore he should not be allowed to even teach this course. 

I need relief from this loan and do not want to pay remainder. Below you will see links to the lawsuit and complaints for company. 

https : //www.stopfraudcolorado.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MI)

I don't owe anything to CAINE & WEINER with account number XXXX. They should have confirmed this from the Original Creditor XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (TX)

I received the letter I have submitted today from a company called ARA. It says the original creditor is XXXX ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My issue is with the Credit Rating Agencies. I had a " Excellent '' personal and business credit rating for over 25 years. Like so many others I lost everything as a direct result of the XX/XX/XXXX financial meltdown and was forced to file for bankruptcy. I spent the last 7 years rebuilding and now have a " Good '' credit rating and sizable amount of cash. I'm unable to secure a mortgage or have access to reasonable interest rates because the " rating agencies '' insist on keeping a bankruptcy on record for 10 years. This is an archaic and arbitrary time frame that is hurting the consumer and the economy. Someone has to look at this problem and apply a little common sense. I sent detailed letters to CFPB on XX/XX/XXXX and again on XX/XX/XXXX with no response.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I WAS CHARGED INTEREST ON A MORTGAGE PAYMENT TO OCWEN FOR XXXX OF 2016 WHEN MY MORTGAGE WAS PAID OFF ON XX/XX/2016.MY LOAN WAS PAID OFF SO NONE OF MY PAYMENTS SHOULD BE TO ANYTHING BUT PRINCIPLE AFTER XXXX. 
OCWEN CHARGED ME INTEREST FOR BOTH XXXX AND XXXX 2016. OCWEN IS A PREDATORY MORTGAGE SERVICING COMPANY RUN BY XXXX.
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc (DC)

I received a collection notice from a company in South Carolina earlier this month stating I owed over {$22000.00}. I called the company and was told this was for year XXXX for a balance due to XXXX XXXX. I let them know I did not owe XXXX any money when I left the school 27 years ago and have received no bills or notifications. The collection company told me XXXX sent a bill in XXXX. I sent both the University and the collection company letters to validate the debt. XXXX sent paperwork for a loan in XXXX. According to my student loan account 3 loans have been paid off and were for that year. Under Fair Debt Collection practices, it seems unfair to send a bill 27 years later for something that has been paid. I am not in default according to the Student Loan Financing Company who handles my loans today. My transcripts have never had an issue being released all of this time and I do not owe this money. I never emailed XXXXXXXX XXXX. I sent a letter and received a response back to call them.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (CA)

All these companies that I had highlighted was contacted by me, but there end of it wasn't kept. These companies, with the exception of schools financial. Have unwanted, unwarranted, frivolous and excessive checks into my credit.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC (VA)

the person they keep calling for does not reside here. My number they call is for work related calls only, and is not given out for contact by anyone. I asked them to stop calling and to add my number to their do not call listed, but they said they do not have a do not call list. this is getting very annoying since they call so early waking me up. this morning it started at XXXXXXXX XXXX and the company information is Contract Callers Incorporated Address : XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2018, I sent Portfolio Recovery a cease of communication letter, which they signed for and they continue to harass me by sending me mail everyday from their XXXX, CA address. I have tried repeatedly to get Portfolio Recovery to stop sending me mail, to remind them to follow the law and they continue to ignore my requests. See attached documentation as evidence.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

After months of back and forth and many phone calls, I finally found someone who would return my call to explain if a charge that was to be reversed was ever reversed. I have since followed up with her on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to get a call back. 

My contact 's name is XXXX and she is at XXXX and I am looking into why I have a charge on my XX/XX/2018 statement and also an accounting for the multiple entries to my account. 

I have an auto pay set up for my mortgage and have always paid on time and am not sure why the customer service at this bank has been lacking. 

Thank you
Consumer complaint received 2018-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

They mis-handled an extra payment I sent to cover for insurance rate increase. They were suppose to back it out, apply it correctly and then all would be fine. That was in XX/XX/2018. I have called every month after getting threatening letters, and they always say they will re-do it. The last time I called in early XXXX, they told me I was 2 months behind! My mtg pymts go out from auto-pay every month on the same day. I've never been late. They keep me on the phone for 2 hours, and then promise to fix it. But nothing changes, and I keep getting threatening letters. 
I'm a XXXX veteran [ 100 % ] and part of my XXXX is XXXX. They keep me on the phone for so long it wears me down. I also have XXXX XXXX XXXX   problems, so I can have a conversation and 10 minutes later I can't remember what was said. So I have tried to keep short notes of each of the last 3 months of calls. On XXXX XXXX, PennyMac responded to the Texas State Attorney Generals complaint I filed. Here is my note : XXXX : PennyMac called me XXXX XXXX. XXXX ext XXXX Dept : Priority Complaints. He advised me that he was recording the call, and when I told him I would do the same, he told me that XXXX would not talk on the phone with me if I recorded the call. I told him 3 times I would stop recording if he would answer my questions. He would not talk to me or answer any questions, and then hung up. I asked him if they were going to foreclose on my home and he would not answer that either. I asked him this question at least 3 times with me, and he would never answer. 
This produces great stress with me. I really don't know what to do at this point. I'm afraid of becoming homeless.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reported fraud in XXXX, took over 90 days to follow up on the report. I called every couple of weeks to follow up. I had a new answer every time I called, at one point one of the customer service reps told me they didn't have a fraud department. They would hang up on transfer me around. This is the worst company I have ever dealt with. I asked them to correct the wrong amount on my credit report and they have still failed to do that.
Consumer complaint received 2018-06-26
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. (MO)

XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, Experian, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2015-07-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

I got a loan was suppose to be XXXX for a XXXX durango I gave the dealer XXXX vechicles XXXX grand prix and XXXX ford explorer XXXX down and payments of XXXX they tricked me to get the loan they said they had to raise it to get financed. The engine light was on at the time they fixed the car XXXX times but the light always came right back on the same day. My car has never passed inspection because of this. I spoke to them because i have never driven the car far because of this problem..I have tried everything to get this fixed i have been paying on a note for a car that i can only use in the neighborhood. I went to them today for help again i explained yall ripped me off and i need a car know to get around further. I am willing to compromise but I want to sue they used me and it is ally financial. I received a settlement letter in the mail a week ago about a class action suit. I am not the only one going thru this. Please help me. 

Thank youXXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

After contacting onemain they attempted to acquire personal information from me to include address, phone number and full SSN. As soon I informed them that this wasn't my account and that I recently filed for identity theft with the police department and sent the report to all three credit bureaus they told me that my account was transferred to XXXX XXXX XXXX ( XXXX ) and to contact them ; which never showed as a debt collection company on my file. I contacted XXXX and informed them of the same information and they went through the verification process as well but noticed a large amount of identification errors from address and birthday and amount claiming to be owed. I called XXXX back after never receiving a fraud packet that i requested and they told me they sent the account back to onemain and labeled it as fraudulent account. So i called onemain back and inquired again, and of course they wanted more personal information to verify who i was and then instead of talking to me informed me of the attempt to collect a debt. I finally got to a dispute representative who said they used to be Springleaf financial  and I informed them of the account be settled/wrote off due to breach of contract which the Springleaf respresentative in XXXX, South Carolina acknowledged. They attempted to spike my interest rate after the first payment was made which I informed them was an illegal interest rate for an XXXX XXXX XXXX per the Soldier/Sailor Civil Relief Act. I never heard from Springleaf again and here we are 5 years later with tarnished credit due to myself never being contacted or informed of any type of selling of the account or merger with another business. I never borrowed that much from springleaf so the ammount is also far from accurate. I am not an uneducated adolescent new to the credit world. Anyone can pull my current loans, credit lines or reports and see that my accounts are current and never missed a payment ; so why would I have done that then. I have integrity and if Springleaf would have be as integral neither the onemain or myself would be in this position. As the consumer I am attempting to purchase a home and can not do so because of something 5 years ago still haunting me now because of a mistake made by an account which onemain took over.