davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I borrowed a loan from Speedy Cash for {$880.00} the last week of XXXX and I was informed only about my payment due dates on the days I get paid from my job which were {$120.00} at the time. On XX/XX/XXXX, I paid {$300.00} on my due date to drop it down to {$580.00} left to pay it off. Whenever I do my payments I receive an email and a text message of my updates. Today on XX/XX/18, I was going to pay {$200.00} to bring the loan payments down and as I checked it, my payment went up {$120.00} that I have to pay {$700.00} which shocked me. I was never informed about interest or my loan would increase within 4 days. What will be the point of doing my payments if it will increase back up within 4 days, which is putting me in a financial struggle and I need assistance on finding a solution for this issue.
Consumer complaint received 2018-07-09
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (MT)

It's closing on the property that the reverse mortgage company holds the paper on : They have the original stock certificate, and no one seems to know where it is... XXXX ( formerly known as XXXX XXXX ) claims the fault is with their attorney, XXXX XXXX ; their attorney 's office claims it's XXXX XXXX 's fault. ( I've been dealing with the attorney 's paralegals ; calls/efforts made to get to the bottom of things have not been returned with information I'm seeking/our lawyer is seeking. ) The original stock certificate was ordered on XX/XX/XXXX ; the timing in which it's supposed to be " delivered '' to the attorney 's office is one to three weeks. Now, we're going on four. They get no more time. I have no reason to be patient when it's obvious that one one is doing their job ( plus, as I understand it, XXXX  's attorney gets paid by my Mom ; XXXX XXXX passes their attorney 's fees on to the owner ). No one is doing their job ; the incompetency level is unacceptable. This morning, I left a very stern message and request with " XXXX '' ( the paralegal ) at the attorney 's office, requesting a returned phone call from the lawyer/and answers ; nothing/no returned phone call/response. I left a stern message on XXXX 's manager 's machine ( XXXX ) ( I could not reach her ) ; again, no response ; nothing. The buyer for the property has her mortgage approved, the buyer and seller are ready to close ( XXXX/their lawyer knows this ) ; the buyer 's attorney and our attorney want to set a closing date ; I've gotten several phone calls from our lawyer that he's getting the run-around ; again, totally unacceptable ( the seller : my XXXX-year-old Mom ; I have full power of attorney ; I'm her daughter ). 

I have made efforts to keep things moving along smoothly since XXXX ( my original contact at the lawyer 's office, a paralegal, is XXXX ) ; I also made efforts to do the same with XXXX ( f/k/a XXXX XXXX ). My cell phone records will prove the numerous phone calls/efforts made. It never should have gotten to this, where I have to file a formal complaint. They're unprofessional and their incompetency is completely unacceptable. And, as you know, in the end, they all get paid...
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE AND WAS DENIED DUE TO PER OCWEN MY INVESTOR DOES NOT ALLOW FOR MODIFICATIONS. MY INVESTOR IS XXXX XXXX WHICH AFTER RESEARCHING I FOUND THAT THEY DO COMPLETE MODIFICATIONS. I AM NOT SURE WHAT GAMES OCWEN IS PLAYING BUT I WILL NOT BE A VICTIM TO FINANCIAL BULLIES. I EVEN HAD TO ASK FOR HELP IN XX/XX/2010 WHICH I RECEIVED FROM MY INVESTOR THEN, SO FOR OCWEN TO STATE THAT MY INVESTOR DOESNT SUPPLY HARDSHIP ASSISTANCE IS WRONG. 

I NEED MY FILE TO BE REOPENED AND REVIEWED ACCURATELY.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have noticed that periodically and without warning, Navient will lose or erase my scheduled payment from their system. I recently had this happen this month after I scheduled a payment to process XX/XX/18 on XX/XX/18. I checked my account online this evening and noticed I had no scheduled payments and no payments posted or processed. So I scheduled another payment this evening for the same amount as before however now I am paying 3 extra days of interest ( which may be why they are doing this ).
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I received a letter from Diversified Consultants, Inc claiming to have taken over an XXXX XXXX XXXX XXXX debt with. The letter is dated XXXX promising to commence collection efforts in 30 days. Efforts were made to collect this debt that does n't belong to me before. XXXX XXXX XXXX said the have no record of this debt. I am no longer a client of XXXX XXXX XXXX and paid all outstanding bills. I initiated a dispute of this debt when it appeared on my credit report under XXXX and it was resolved and removed. This is a scam mow
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

In XX/XX/XXXX, I found an online promotion from TD Bank, NA that promised a promotional credit for opening a new primary checking account on line. I followed all the prompts to open the account, but was presented with a message saying that I must visit one of their branches to complete the process. The next day, I went to the TD Bank office on XXXX XXXX, XXXX, MA. I spoke to a manager and someone who said he was a regional branch manger. I explained my online experience and made it clear to them that I would only open the account if I were to receive the promotional credit. Both told me I would receive the promotional credit upon completion of the opening process, and a 90 day waiting period, even though I was not able to complete the process online. I opened the account, had my pension check designated for direct deposit, and opened a credit card and a money market account. After 90 days, I went to the branch and asked for my promotional credit. I was told that was a separate department and that they would speak to that department on my behalf and give me a call. I heard nothing after 30 days, so I went back to the branch only to be told the same thing. I waited another 60 days with still no reply. I went back to the branch and asked why they were not following through with their promises of customer service. I was then told that the promotional department had denied my request for a credit. You can image how this made me feel. I am now reaching out to the CFPB for help. I can only image that this same experience is being repeated across the country. It is a shame for this large bank to be praying on senior citizens in this way. Please help me.
Consumer complaint received 2017-08-15
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. (GA)

XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Bureau of the South, Inc (NC)

Never received a bill for this debt. Debt is from XXXX XXXX of Louisiana, however I have been living in North Carolina since XX/XX/2017. Unable to offer payment of debt before being sent to collections due to no bill being received.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I was notified that I have an unpaid debt by my credit monitoring company that was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX to XXXX  and XXXX by Credit Bureau Sysyems. Even though I had previously wrote on XX/XX/2018 to Credit Bureau Systems ( CBS ) within the thirty days after receiving a collection letter by CBS that I had paid this debt and was disputing this debt. I did not think I owed this deductible as all deductibles are collected at the office and I was told at the doctors office that I did not owe a co-payment. I ended up paying the debt to avoid it being turned over to a collection agency by XXXX XXXX. I paid this debt on XX/XX/2018 directly to XXXX XXXX who assured me that my account was good standing and to ignore the letter I have received about my debt being turned over to a collection agency. 

XX/XX/2018 and XX/XX/2018 Source XXXX  Source XXXX Company CREDIT BUREAU SYSTEMS INC Payment Status UNPAID ( UNPAID ) Status Date XX/XX/2018 Balance {$50.00} Address XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants refused to remove an account from my credit file, though it has been paid in full. I have contacted XXXX the original creditor who agreed to have the account deleted.
Consumer complaint received 2018-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

We have been contacted by mail on several occasions by AFNI in regards to collecting on money owed to XXXX XXXX. They state that my husband owes them {$510.00} to settle the account. I contacted XXXX XXXX to find out what was going on. They informed me that we only owe {$140.00} and the account information does not match what XXXX has, so I don't know where they get their amount.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX
Consumer complaint received 2018-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (NC)

I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Avant under false pretenses via XXXX. Avant either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. Ironically I found out about the Virginia Usury Law, as a result of the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased due to predatory lending practices of that company ( this was unknown to me until I was contacted by the state Attorney General ), hence the reason I am looking into my loan with XXXX, in addition this astronomical payment is causing a hardship on my family, due to military relocations and my husband 's loss of income.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Consumer complaint received 2018-07-07
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. (FL)

I checked my credit report from XXXX, Equifax and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
Consumer complaint received 2018-07-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (SC)

I opened a CD at bank for my mother, XXXX XXXX XXXX, in which I was POA. I was told at the time by bank that I could not have a POD with a POA. In essence all this is the banks fault for not telling me what would happen with no POD listed on the CD originally.

My mother, passed away on XX/XX/XXXX, and I have been taking care of her estate since she nominated me as her executor/and only survivor in her Trust and a Will that is part of her Trust.

I notified bank and reported her death and mailed what I considered to be the banks requested documents : her death certificate ( original ) ; notarized paper stating that I am ( from XX/XX/XXXX ) making myself successor executor of her Trust due to declining health matters that she was experiencing ; and my ID.

XXXX XXXX letter dated XX/XX/XXXX, states that they had received documents and that there was one last step to closing account and that was an Estate Distribution form that was signed by me and notarized and returned to bank.

I received another letter from Bank dated XX/XX/XXXX asking for the original documents that they acknowledged to having already received. I telephoned bank and their phone rep was no help in this matter. He stated that bank now wants a Letter of Testamentary.

I then mailed a cover letter with parts of her Trust relating to successor Trustees and her complete Will stating that I am the Executor and only survivor and noted beneficiary within. I have never heard from bank at anytime during these months of trying to close out account, other than the 3 letters wanted documentation or asking for a notarized signature to disburse funds.

I e-mailed the CEO of XXXX XXXX  located I believe in Utah. In turn, I get a phone call from a problem solver with bank which was just another telephone rep reiterating the need for a Letter of Testamentary which is a court document. I have explained over and over to bank that this Trust and Will is not going to probate but they just dont get it.

I am a senior citizen myself and reside in South Carolina. My mother resided in Nebraska and passed away there also. If bank wanted this document originally they sure didnt ask for it. This coming back again and again asking for things dragging out a customer request is not fair business practice.
Consumer complaint received 2018-07-07
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (MS)

XXXX and GM Financial are is reporting " NR '' -No Rating for the payment history of XX/XX/2018 ( XX/XX/XXXX. ; XX/XX/XXXX. ; and XX/XX/XXXX ). My account was paid in full and on time each of these months. The failure to accurately report my POSITIVE payment history is negatively effecting my credit score.
Consumer complaint received 2018-07-07
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: SYNCHRONY FINANCIAL (NY)

Alert Type : New Inquiry Processed Date :XX/XX/XXXX Inquirer 's Name : XXXX   Phone : ( XXXX ) XXXX Type of Industry : National Credit Cards/Airlines Address : XXXX XXXX XXXX XXXX XXXX FL XXXX I went to my XXXX Credit reporting portal to discover that there was a hard inquiry on my report that i did not authorize. I called XXXX XXXXXX/XX/XXXX XXXX to inquire why they preformed a credit inquiry, the rude agent advised me that they don't deal with XXXX and that i would have to call XXXX to dispute?? I advised her that the inquire came from XXXX XXXX not XXXX. She repeated over and over I have to call XXXX to dispute the inquiry.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This XXXX XXXX account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

I went to the XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX, on XX/XX/XXXX. The Technician that examined me said I needed a treatment, XXXX XXXX XXXX for my XXXX. They said I had XXXX XXXXXXXX. Which turned out to be false. I replied to the technician, if my XXXX   Insurance covers the procedure, the cost of XXXX XXXX XXXX, then I will agree to it. XXXX XXXX came back 30 minutes later and said that 80 % was covered by my XXXX XXXXXXXX XXXX XXXX. I agreed to pay the 20 % balance and paid that balance at that the time of the treatment at the XXXX XXXXXXXX offices in XXXX XXXX Texas. On XX/XX/XXXX, over 15 months later XXXX XXXX  sent me a bill for {$180.00} saying XXXX XXXX XXXX XXXX did not pay the 80 %. Come to find out, XXXX XXXX   used a XXXXrd party service called XXXX XXXX XXXX to check my Insurance to determine what was and what was not covered. ( See attached document from XXXX XXXX XXXX ). XXXX XXXX XXXX checked my Insurance on XX/XX/XXXX while I waited at the XXXX XXXX offices. XXXX XXXX came back to me and said the treatment was covered at 80 %. Again, I only agreed to pay the 20 % and would not have authorized the unneeded treatment if I knew it was not covered. I later found out that XXXX XXXX XXXX is a shame and does not work. A gimmick to get more money out of patients. That is why my Insurance company does not cover it. 
XXXX XXXX has now referred the matter over to a collection agency called Collections Unlimited at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX. Collections Unlimited opened an Account with XXXX and entered a derogatory remark on my XXXX credit report on XX/XX/XXXX. 
I dispute this {$180.00} charge, and the derogatory remark left on my credit report by Collections Unlimited. 
The bottom line is, even with this derogatory remark, my credit score is still above 800 and well within the excellent range, but companies and organizations like XXXX XXXX need to understand that cant bully people around. We had an agreement, they entered into that agreement willingly, and now they are reneging on that agreement. I have to believe that if the roles were reversed, for example, I put in a job bid on sheet rock work in their offices and a year and a half after the job was completed and I got paid for it, I came back and ask for more money, for what ever reason, they would not have even considered that and would have escorted me off the property. Its not my fault that the 3rd party service called XXXX XXXX XXXX got the information wrong. An accord was made and not kept by XXXX XXXX. They should collect from XXXX XXXX XXXX. 

Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I checked my credit report and noticed an account from a company called XXXX XXXX. I do not know what this company is and have no debt with this company. I tried contacting the collection company and was rudely threatened being sued if I didnt pay the balance owed, yet they would not provide any information about the debt and where it originated. The debt does not belong to me.