davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XXXX Balance : {$1700.00}, XXXX XXXX Date Opened : XXXX Balance : {$42000.00}, XXXX XXXX Date Opened : XX/XX/ Balance : {$9800.00}, XXXX XXXX XXXX Date Opened : XXXX  Balance : {$18000.00}
Consumer complaint received 2015-09-30
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I purchased a MoneyGram money order # XXXX for {$450.00} at Walmart in XXXX NJ and gave to my landlord who lost the money order and requested a replacement money. I paid {$15.00} to MoneyGram and requested a " replacement '' money order and they sent me check XXXX for {$450.00}. i tried to cash this money order at XXXX different check cashing businesses in New Jersey and none of them can cash. I went XXXX to a Walmart store who provides check cashing services and was advised the industry standard check cashing scanner can not read the check, the numbers are up too high on the check. I reported to Moneygram and they sent me another replacement check # XXXX on XXXX/XXXX/2015, another check that can not be read ny industry standard check scanning equipment. I have filed a complaint XXXX. I have asked MoneyGram to send my refund via money transfer to my local Walmart store via where they can provide me with a reference number and i can go into the store and pick up my {$450.00}, they are stating they only process refunds via check. That would be fine if I could cash the check and obtain my money which I am not able to do with their document. This process has been going back and forth for 30 days now and this is ridiculous. Moneygram is not trying to assist me with obtaining my money by sending me refund checks I can not cash. The numbers are way too high on the document and can not be read. Not even moneygram distributing retailers wo n't touch this check
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MS)

I am currently serving overseas on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and my account has been under SCRA status since XX/XX/XXXX due to my military status. 

With my military duties and my remote location, I am limited in my abilities to check my accounts but noticed when I did that I was behind on my credit card payments and sent the payments needed to get my payments up to date. Sometime after I made all the payments to be current in my account, I tried to use my Navy Federal credit card and it was declined. I called customer service from overseas ( very time consuming and costly for me ) and they informed me that they closed my account. On my online account, there is no indication that my account is closed and it shows that I have credit available and my payments are up to date. I even mentioned this to the customer service representative when I called about this. 

I am very disappointed in this situation. I did not receive any notification ( perhaps they mailed it to my US address but I am not able to check my mail while XXXX ) before they closed my account. And with my account current and under SCRA protection, I am puzzled why this action was taken. This situation caused added stress to an already stressful period of me being on XXXX in a remote area XXXXXXXX. I plan on reaching out to a military legal representative to discuss this matter.
Consumer complaint received 2017-01-28
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Business & Professional Collection Service Inc (NV)

I 've been on Social Security since XX/XX/XXXX I am a XXXX Vectren XXXX person and this debt they 're trying to collect I am unaware of I was checking my credit on XXXX XXXX sound out that I have debts on there for B & P collection services XXXX foot {$54.00} {$68.00} and {$290.00} for XXXX XXXX XXXX I 'm on Social Security I do not owe them anything and I was unaware of this bill Social Security my Medicare should have taken care of this bill and va their phone number is XXXX I would like this matter taken care of I am not liable for this bill I am unaware of this bill until I checked my credit today
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (AK)

I had {$14.00} in my account a charge came in for {$9.00} which the bank placed as " Pending '' This bought my balance down to {$4.00}. then another charge came in for {$7.00} and my balance went to - {$3.00} plus a overdraft fee of {$32.00} which brought my balance to - $ XXXX.Now the bank credited my pending {$9.00} which they already deducted that cause my original overdraft to my account.Then they now re-charged the {$9.00} as a withdraw and I got hit with a over draft fee of $ XXXX.bring my account to - $ XXXX.All of this in a 2 day period. This also caused a cascading effect which I got hit with XXXX more overdraft fees.
Consumer complaint received 2015-06-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

About a two months ago, I began receiving threatening phone calls from a debt collector service regarding a online payday loan that I never received. The company threatened that I committed check fraud and that there will be someone coming to my job to arrest me. I spoke to an individual who was very nasty and would not give me much information. They told me I better pay the loan and hung up. I called back and was extremely upset about this call. I was finally able to speak to someone to explain that I needed to pull my bank records from XXXX 2011. I went to the bank and pulled the information and called this company back and was told to fax the information in. WelI, I faxed in this information and called again speaking to different people and I was told that I was okay and should not get any more calls. Two days later, they began calling my cell, my father 's telephone number and my home number. I again attempted to call and explained what I was told and I reached the same nasty person STATING THAT I BETTER PAY THE MONEY AND HUNG UP. I proceeded to keep calling to get someone different and never did and then the gentleman stated that he would have them come after me for harassment. I could n't believe the conversation. I faxed the information again and left it alone. Three weeks later I receive a call on my telephone from a woman stating that she has my business address and have been given some paperwork to have me picked up and processed for this outstanding charge that I never had. This time the amount was huge and they stated that I had to pay it in order for me not to be arrested. With my job on the line I paid XXXX dollars allowing these people to have my debit card. However after getting off the phone crying, I began to contact people and told them what happened and they informed me that I was duped out of my money. The dept collectors company from the XXXX call never provided their name and all I have is telephone number XXXX and the payday loan they mentioned was XXXX XXXX. The next debt collector did provide their name XXXX XXXX XXXX located in PA and XXXX as well as the person who called to threaten that I would be picked up, XXXX. I have tried to call this number back and no one will pick up. I was given a name XXXX XXXX and the company that is now stating I owe for a payday loan is now call Midland Funding.
Consumer complaint received 2016-02-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK (IL)

I AM TRYING TO OBTAIN A MORTGAGE MODIFICATION FROM TCF BANK. MY INTEREST RATE IS 9.8 %. I AM IN A PREDATORY LOAN. MY PAYMENT THAT I CAN BARELY AFFORD IS INTEREST ONLY AT {$1800.00} MONTHLY PLUS TAXES AND INSURANCE TOTALING {$560.00}. I WILL NEVER OWN MY HOME BECAUSE I WAS TRICKED INTO A LOAN THAT I DID N'T UNDERSTAND. I CONTACTED A LAW WELL KNOWN AND RESPECTED LAW FIRM TO ASSIST ME IN OBTAINING A MODIFICATION AND LOWER INTEREST RATE. THE LAW FIRM ADVISED ME THAT TCF 'S GUIDE LINES ARE EXTREME FOR MODIFICATION AND UNLESS GOVERNMENT INTERVENES THEY WO N'T MODIFY MY MORTGAGE. TCF 'S GUIDE LINES FOR MODIFICATION ARE AS FOLLOWS : ALL RESTRUCTURES WILL BE DENIED FOR ANY OF THE FOLLOWING REASONS :. CREDIT SCORE BELOW XXXX, MORTGAGE IS MORE THAN 120 DAYS PAST DUE, TOTAL DEBT TO INCOME RATIO OVER 50 % AFTER RESTRUCTURE AND IF THE MORTGAGE WAS N'T REAFFIRMED IN A CHAPTER XXXX BANKRUPTCY. MY CREDIT SCORE IS BELOW XXXX AND I AM MORE THAN 120 DAYS PAST DUE. TCF TOOK ADVANTAGE OF ME BECAUSE I AM A XXXX YEAR OLD ELDERLY XXXX WOMAN, I CA N'T AFFORD 9.8 % AND I FOUND OUT THAT MY MORTGAGE PAYMENT OF {$1800.00} EXCLUDING TAXES AND INSURANCE IS INTEREST ONLY WITH NOTHING GOING TOWARDS PRINCIPAL REDUCTION.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I reached out to Pro Collect regarding a collection matter from an former apartment agency. I first never received the bill to tell me the amount. I was altered of the bill when I checked my credit report. I contacted the company agent and supervisor are rude and threatening. Did not negotiate the correct amount and attempting to overcharge the amount than what is actually owed. I was charged a reletting fee when I did not request a move out, I was asked to move out by apartment complex. As well Threatening behaviors by agents and supervisor.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TMX Finance LLC (MD)

One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

MCM, Inc has made numerous illegal attempts to collect a closed XXXX XXXX account. XXXX XXXX sent me a letter stating that MCM was never authorized to collect this closed account. this is criminal activity. pursuant to the FCRA MCM is legally bound to compensate me for the harm they created. due to MCM 's false collection reporting I have suffered the following : -unable to obtain better employment - unable to obtain a mortgage loan -unable to obtain an auto loan -unable to obtain student loans for my XXXX children -unable to obtain a loan for my husband 's direly needed XXXX surgery - I have suffered XXXX
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

The County sent out a tax bill for my condo in XXXX of 2016 ( approximately {$4000.00} ) prior to reviewing and approving my application to be taxed at the homestead rate. I received a new updated tax bill in late XXXX or early XXXX and provided it my mortgage servicer Roundpoint Mortgage Servicing. I spoke to them on the phone and they informed me that a new escrow analysis would be conducted and that I would receive a refund for the shortage I was charged after the tax bill was received. I called again in late XXXX and was informed that the escrow analysis would be completed on XXXX XXXX. I logged in online and saw no change to my escrow analysis. I called again on XXXX XXXX and they informed me that it should show up online that day. It is now XXXX XXXX and the escrow analysis has still not been completed. I called Roundpoint today and they informed me that it says in their system it should have been completed but they are going to expedite request and it should be processed in 24-72 hours but then I would need to allow another 3-5 business days for the escrow analysis to be completed. I find it funny that they were so quick to perform a new analysis when they received the incorrect and higher tax bill, but at this stage I can not get an answer as to when I will receive a refund of my overpayments and my future payments are reduced to reflect my actual property taxes and insurance. I do n't trust Roundpoint anymore to provide me with accurate information and I would like to receive my refund.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (NY)

I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I was contacted by Midland Credit Management XXXX Inc. out of California on a debt that has passed the 7 year Pennsylvania statute BUT I do not owe this debt ( see letter ). Because I DID NOT receive the service but DID receive the XXXX XXXX little white phone jack attachments in a box in the mail I DID try to resolve the issue with them for a sum of {$50.00} as I read the internet and saw they were leaches and thought sending them something would resolve the issue. Unfortunately, they said I 'm not " working with them '' to resolve the issue EVEN THOUGH they ca n't provide me proof that any SERVICE was ACTUALLY provided ( which it was n't ) since my wall phone jacks were not compatible with their little white things ( whatever they are called ). Please help resolve this issue, MIDLAND wo n't provide me with definite proof that I owe any money whatsoever. All they send me is their " reference material '' telling me that is the PROOF. Their " reference material '' is NOT what I asked for but they wo n't send me the proof I want because they evidentally do n't have ANY proof. They also ask ME for proof that I do n't owe money. If I never had the service, HOW can I provide any proof? It is a vicious circle. I think they feel I will get sick of them sending me letters and pay them which I wo n't. I decided I wo n't pay any money for a service I never received.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MS)

Here 's the case : I called XXXX XXXX to settle the debt. XXXX XXXX was the person whom I spoke to. I stated I am calling to pay the debt only if it will be removed from my XXXX and XXXX credit report. XXXX XXXX said that once the payment was made Diversified Consultants will be removed from my XXXX and XXXX credit reports in 30-35 days. I made payment of account in full with this good faith verbal agreement. 30 days came and went. I checked my credit report and Diversified Consultants still remained on XXXX and XXXX credit reports. I called XXXX XXXX back and he transferred me to XXXX XXXX who sent the attached letter. 

I called Diversified Consultants again and spoke to XXXX XXXX and he told me in a rude, disrespectful and harsh tone of voice that Diversified Consultants will not be removed from my XXXX and XXXX credit reports. Needless to say, I was and still am LIVID!!!! 

I called XXXX back in 40 days and again 45 days and Diversified Consultants and was told by a XXXX rep in the complaints that XXXX would be remove Diversified Consultants from XXXX and XXXX Credit Reports. I check credit report again XXXX XXXX, 2015 which is precisely 45 days after payment was made and Diversified Consultants still remains on the reports. 

I spoke to XXXX XXXX ( XXXX ) - again on XXXX XXXX, 2015 and he told me that Diversified Consultants will not submit a letter of removal for this account from my XXXX and XXXX credit report and this account will not be removed. 

The tactic XXXX XXXX used to STEAL my money is FRAUD. This is bad for XXXX business and I will never, ever, ever return to XXXX for any service of any kind and I would NOT RECOMMEND XXXX to anyone because of the FRUSTRATION and LIES I received about this PAID account. 

Attached is the letter I received with no mention that account will be removed from credit reports.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (MO)

Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Through XXXX I received notice that there has been a hard inquiry on my TransUnion report from XXXX in XXXX, WA XXXX XXXX XXXX XXXX XXXX. 
Neither I nor anyone in my family has had any contact with XXXX and have not authorized them to institute a credit check. Our mobile service is through XXXX and we live XXXX. I would like this removed from my report.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (AL)

The collector name is Diversified Consultants Inc and it stated that is is originally from XXXX. I paid in full before requesting disconnection since we are switching to new company and the amount they attempt to collect is bill statement after disconnection. I called XXXX several times and the main office confirmed that I have no balance to make a payment.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through Transunion nor XXXX. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

i leased a car a year and a half ago as i heard they have amazing cars, someone ran a stop sign and hit my car declaring it a total loss- all the money i got from that accident went straight to toyota to pay off my lease - when i went in to get a new car i was denied because of how low my credit was .... i was surprised i always checked on my credit regularly and last time i checked i had a score of over XXXX which is considered fair, i have NEVER PAYED ANYTHING LATE. I ask why my credit was that low and they tell me its because toyota put on my credit report that i made XXXX late payments -- - i was aware of this mistake in their system but i spoke with XXXX, XXXX and XXXX and i was told the problem was fixed and wouldnt cause any issues. Two days ago I go into toyota explaining the issue and telling them that i need a car and due to a mistake their system made i am unable to get one anywhere else so although i am disgusted with their company i am back for another car, they did not care. I was told i would need XXXX XXXX dollars down When i tried to further contact toyota we were hung up on multiple times resulting in a four hour phone call.