davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torriere Holdings INC (MD)

*******URGENT******* I called the XXXX XXXX XXXX  office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.
Consumer complaint received 2019-07-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I had a USDA Rural backed loan that originated in XXXX of XXXX. In XXXX of XXXX, this loan was assigned from XXXX XXXX  to Carrington Mortgage Services , LLC . 
In XXXX of XXXX, I modified this mortgage through the HAMP program. 
The loan balance of approximately {$160000.00} was reduced by a subordinate mortgage of {$43000.00} that would be due on XXXX/XXXX/XXXX, with no payments due in the interim. Leaving a 1st loan balance of approximately {$120000.00} at this time. 
On numerous occasions I have requested a payoff request and/or a lien release in regards to the subordinate loan from : Carrington, from HUD, from USDA, from FHA, and from XXXX XXXX XXXX. Each of these entities has denied that they are the servicer and/or can not locate any trace of this subordinate loan. The only payoff that was provided was by Carrington for the 1st loan, without including the subordinate loan balance. 
There are multiple loan numbers, case numbers, and reference numbers on my documents, but none of them are able to assist in the location of this subordinate loan. 
This issue is directly impeding the sale of my home as the title company is refusing to insure the title and the closing deadline is just a little more than 2 weeks away. I have advised each of these entities of the ARS 33-715 - regarding payoff demands and that I would be entitled to damages currently estimated to be more than {$330000.00} the offer on the home plus other costs associated with the sale and enforcement of my rights under this statute. Also, each entity was advised that under this statute that I am entitled to {$500.00} whether or not there are any damages incurred.
Consumer complaint received 2017-05-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

On    XXXX   XXXX   2017..   XXXX  from the homeownership center and I, called Ocwen to check the status of the modification that we 've been working with them sinc e   XX/XX/XXXX .   At thi s point we were told that the modification was under review, and that no other paper work was required. Then upon my arrival home from my meeting with  XXXX , I received a notice from Ocwen that my documents were expired and needed to be resubmitted because they are more than 90 days old.. Ok.. We submitted these documents to Ocwen less than a month ago.. And this is not the first time that my packets have expired that was submitted them.. This has cause incredible stress on me and my family.. When this started we were only two months behind and now we are more than 6 months behind. I was never offfered an option for a repayment. I was told that I would have to apply for a mortgage modification. This has been an utter nightmare dealing with  Ocwen  ...
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called XXXX XXXX to dispute my collection account. I finally received a letter from XXXX XXXX dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' I thought this issue was resolved and closed. 

However, recently, I checked my credit reports on XX/XX/XXXX and I noticed a collection account is on my file. It damaged my credit score and my credit history. I have disputed with all 3 credit agencies. XXXX and XXXX did not resolve my issue. I requested XXXX  3 times : 1 in XXXX, 1 in XXXX, and 1 in XXXX to send me my dispute result in writing but I still haven't received any in mail. XXXX sent me the investigation results. The letter stated that the Collection account from XXXX XXXX XXXX # XXXX. I never receive any letter or any notification from XXXX XXXX XXXX before. This is the first time I am aware of the collection account from XXXX XXXX XXXX for the same creditor XXXX is on my credit file. How many collection agencies out there attempting to collect the same account for XXXX? How can I dispute when I never receive any mail or notification from XXXX XXXX XXXX.? 
Please assist me to resolve this issue and make sure the collection account is removed from my credit file.
Consumer complaint received 2019-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I asked XXXX XXXX  to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get XXXX XXXX and equifax to unblock the freeze and XXXX XXXX says to contacts XXXX XXXX and XXXX XXXX says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

( My card was lost at 24/7 store on XX/XX/XXXX and returned back to me on XX/XX/XXXX, three fraudulent transactions were made during that period, which are- XX/XX/XXXX - XXXX XXXX XXXX - {$150.00}, XX/XX/XXXX - XXXX   XXXX- {$7.00}, XX/XX/XXXX - XXXX XXXX XXXX XXXX- {$27.00} ( Police report attached with claim ) Already faxed the claim form to barclays on XX/XX/XXXX, also filed a police report on XX/XX/XXXX. ( see attached ) Haven't heard from barclays since, barclays is not trying to resolve the matter.
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (KY)

On XX/XX/2019 I received a letter from " Hunter Warfield '' collection agency attempting to collect a debt on behalf of " XXXX XXXX XXXX XXXX '' XXXX AKA " XXXX XXXX XXXX XXXX XXXX. " XXXX. They are attempting to collect in the amount of {$1000.00}. This is an unsecured debt in the form of a leasing agreement that has been discharged through a chapter XXXX bankruptcy, as of XX/XX/2019. I have contacted them and am awaiting a response/resolution.
Consumer complaint received 2019-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I asked XXXX XXXX to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get trans union and XXXX  to unblock the freeze and XXXX XXXX says to contacts trans union and trans union says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.
Consumer complaint received 2020-02-10
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. (GA)

I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed XXXX bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted
Consumer complaint received 2022-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2019-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC (IL)

XX/XX/19- received notification that Revenue Enterprises at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX was trying to collect a debt from a hospital 1300 miles away from us. I sent a letter asking for ; - validation of the debt. 
- explanation of how the debt was calculated - to provide copies of documents that show I agreed to pay the amount requested - verification of judgment - prof that statute of limitations was not expired - the license to collect in my state of illinois - license numbers and registered agent documentation. 

They have refused to provide that information and have continued to send collection requests.
Consumer complaint received 2019-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I enrolled in college in 2010 got {$8000.00} in student loans and navient kept telling me ( because I was struggling to find work ) economy went bad and they kept telling me no problem we will put it in forbearance without telling me they were charging me interest like crazy. now I owe over {$20000.00} and they are constantly calling and demanding payment and I cant afford what they want I am very upset and hope these lawsuits against them put them through the same misery they have been causing the people they have extorted for the last 10 years thank you for your time
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code. 
Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I currently hold XXXX Synchrony Credit cards. The dispute I have is with one for Care Credit. 

On XX/XX/XXXX, I called in to the customer service line to make a payment to a specific purchase on this card. These transactions offer promotional periods for free APR if paid off by a certain time. The only way to make a payment and have it be allocated to a specific purchase is to call and direct them to do so. I have done this several times as well as my wife. Their customer service were the ones who explained this to us as I have a long credit history with them. When I called to make the payment, I was assured that it would be applied to the balance for the initial purchase amount of {$1200.00} specifically because it had already expired. I was intentionally trying to pay that particular balance down to no longer incur the high interest charges. The payment was in fact not allocated to that specific balance and was instead applied to where they felt like it. 
Upon contacting customer service multiple times, after being told that there was nothing that I could do and that this was how they allocated the payments I was escalated to the highest level of customer care where I was informed that there was nothing that they could do and that it was their obligation pursuant to the Credit Card Act of 2009 to apply the payment to the promotion purchase that was the closest to expiring and that was the law. I was told specifically by the representative when I made the payment that it was applied to the balance I had requested it be applied to as that is the only way to accomplish this. 
The Credit Card Act of 2009 actually states the opposite of what the supervisor told me. It states " Payment rules : Credit card companies must apply payments to a consumer 's highest interest rate balances first. '' Not only was I deceived and then lied to, but i also incurred unnecessary interest rate charges as a result.
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IN)

I have received calls almost daily for 2 months about a person I don't know. About two years ago they also called me about this person. They provided name of a person not known to me. I spoke them about two years ago and told them this information. They stopped calling for a while and are now calling again. 
This time it is robo calling. The message hesitates and never states why they are calling, just call them. 
Why should I call? 
I don't owe anyone for anything. The person they are calling about does not live here. I have no idea if they exist, where they live or phone number.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I recently tried to log into my US Bank account and apparently the password was incorrect. As I tried to login a few times my account was locked. When I hit the reset password link, it required me to put in the last 4 of my social. It then moved to another page and asked me to enter my pin number in order to unlock the account. I don't share my pin with anyone because no one should, and I work in an XXXX XXXX related field so i know how foolish that request is. When I called US Bank to get my account unlocked, I provided my full social, date of birth, mother 's maiden name and my full name. They then also asked for my pin. I told them that's information I don't share with anyone, and I had given all qualifying information that should be necessary to unlock the account. I asked if there was any other info I could give them to unlock and they said I would have to go to a branch and give them my pin to unlock the account. I told them if I went to the branch I would be closing my account because their processes are opening the door for fraud to take place. In short, they would not allow me to access my account unless I provided my pin number either on a website, over the phone, or in person.
Consumer complaint received 2019-03-11
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. (CA)

I have notified all 3 bureaus countless times about blocking these fraudulent items off of my credit report. There are still a couple child support items, and a couple student loan collections that still remain on my credit reports in which should absolutely bare no relation towards me. These fraud accounts are not consensual, i never had a relationship with any of them, and there's been no good legal assessment in which i've been sent status updates or verifiable proof from these bureaus investigation. But i do know FCRA Laws and consumer rights, the reporting credit bureaus have been willingly violating the 605 ( b ) law. I've already mailed/faxed my cover letter, ftc i.d report with personal statement, police report, attached list of fraud items sheet and proof of identification sheet. All have been went documented, traced and sent over to all 3 bureaus, by 605 ( b ) law the reporting agencies each only had 4 business days after the date of my mailed documents receipt, to block the said fraud items with all the necessary documents i provided. I got dealt the wrong hand by these bureaus, they disobeyed the laws. NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF These accounts should have BEEN removed/blocked from my account. I have kept a paper trail this entire time, myself and my lawyer are in the process of filing a big lawsuit against these bureaus for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-03-11
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. (FL)

In XX/XX/XXXX and on XX/XX/XXXX I sent a certified letter to Transunion to remove accounts that were closed more than seven years in accordance to FCRA 605 ( a ) ( 4 ) and ( 5 ). To this day, Transunion refuses to remove old accounts and adverse items of  information. Instead, Transunion continues to report them as unpaid, incorrect, and/or derogatory. In the two letters I sent them I also asked them to please prove the accounts they are reporting are correct and to provide the information that was used to place this on my report. Transunion has failed to respond to any of my requests or letters. 

In addition, Transunion is not following the procedures set forth in the FCRA subpart 609 ( a ) 1,2,3, 4, 5, ( b ) and ( C ) indicating that these accounts are in dispute by the consumer I am a member of Transunion and feel I should have all my money back for all the wrong information being reported.