davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CO)

Hello, XXXX charged me for two months of usage on an account that had been closed for two months at the time of the charge. I was NEVER notified of these charges and therefore could not resolve the issue prior to collections. As soon as I received a notice in the mail from Radius Global Solutions, I reached out to XXXX and the collector to report that this debt was not possible as my account had been closed at the time of the charges. 

I spent 7 hours on the phone with XXXX, who finally removed the charge and assumed responsibility for the error. Unfortunately, the collector has not been cooperative with dismissing this debt, even though it isn't mine. They have refused to call me back, transfer me to incorrect departments and do everything they can to avoid aiding me in removing this FALSE and FRAUDULENT charge. 

I have contacted Radius Global Solutions numerous times and nothing has been done to resolve this. It has caused my credit score to  PLUMMET and now I will be unable to purchase a home due to the ridiculously high rates I am being quoted, all directly associated with this debt and Radius Global Solutions. 


Here is the confirmation number received from XXXX after resolving this issue # XXXX
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My XX/XX/XXXX Capital One statement shows a balance of {$240.00} and a minimum payment of {$25.00} due by XX/XX/XXXX. The XX/XX/XXXX statement shows an electronic payment of {$240.00} posted on XX/XX/XXXX, and an interest charge of {$2.00}. 

I contacted Capital One on XX/XX/XXXX to dispute the interest and spoke to XXXX, who told me that " the way our computers calculate interest is kind of funny '' and that if I pay the {$2.00}, my next statement will have a XXXX balance. I stated that I will NOT pay that amount, and requested that it be removed from my statement. XXXX then informed me that " she did see an option for a waver of the interest charge '' and that " as a one-time courtesy, she would provide a credit to my account which should be applied within seven to ten days ''. 

While not germane to the issue, the payment submitted was a balance transfer to an interest-free account with another creditor. I believe this is relevant because less knowledgeable consumers would probably attribute the interest charge to how the balance transfer is processed and assume it is legitimate. 

My obvious complaint is that first, I was charged interest on an account which does not assess interest on balances which are paid off by the due date, second that instead of an apology I was instructed to pay the fraudulent charge, and third that instead of being treated as an oversight, the issue was " resolved '' with the insinuation that the company was doing me a favor by correcting their fraudulent charge.
Consumer complaint received 2021-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Service Finance Holdings, LLC (CO)

This is a reply to XXXX. 

I am now believing that Service Financial may have altered or been given false information from the contractor. 

We are requesting : # XXXX ) The original contract # XXXX ) The release from the owner of the house that signed off when the work was completed. 

# XXXX ) Any additional contracts that the contractor is claiming to have with the owner of the house. 

I am willing to entertain the idea that Service Financial may have been misled by the contractor or representatives of the contractor. The person that was working for the contractor was terminated shortly after my issues with the incomplete job.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MO)

We sold our XXXX home on XX/XX/2016 our lender was Vanderbilt Mortgage. Today is XX/XX/2016 and they just notified me today that we need to send a letter to the XXXX XXXX homeowners insurance to cancel the insurance because it renewed during the payoff. So they will not release the title until that is done. Ok fine but it has already been past the 10 days that the law states they have to release the XXXX once they received their money ( XXXX ). We have people waiting for their title. The check to XXXX cleared the title companies bank on XX/XX/2016. We never even wanted this home owners insurance company but we were told we had to go with this XXXX, the same with the Lender we were told Vanderbilt mortgage was the only mortgage company that approved us. Well now I realize why, XXXX owns all of the companies they are all part of XXXX. This was a XXXX guess who owns XXXX XXXX Seems quite illegal to me. This company has seemed shady from day XXXX but when you need a house in XX/XX/XXXX you tend to overlook things until it is too late. there were many things not done right during this loan.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Please see attached statement from the previous loan holder for our account. This states that a balance of {$280000.00} was transferred to NewRez and not {$280000.00}. 

You will realize XXXX payments were made - XXXX on XX/XX/XXXX to XXXX XXXX XXXX and XXXX to NewRez on XX/XX/XXXX. Hence, your opening balance should be {$280000.00} not XXXX. The opening loan balance for XXXX XXXX lending was {$290000.00} - after XXXX payments of a total {$4100.00} - the principal being transferred was already {$280000.00}. NewRez is only taking XXXX payment into account while doing their calculation.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (WI)

My XXXX XXXX  charge was reduced to a disorderly conduct and should be reflected as such. This was done through the District Attorney office of the XXXX XXXX Court of Wisconsin after I disputed their jurisdiction. The charge was reduced over the phone the day before trial and I pled guilty to a disorderly conduct. As this is how it was finalized please adjust in your system as well.
Consumer complaint received 2021-12-02
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: CITIBANK, N.A. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2023-07-27
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. (VA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC (OH)

I called RECEIVABLES MANAGEMENT at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX to inquire about a debt that is currently being reported as OPEN with a {$0.00} balance ; this particular account was originally {$79.00}, I paid off two of my open accounts this year.

For starters, the representative did not Right party contact me, and verify who I was with three questions all she asked for was my name and who the account was with. And then went on to freely give out my information, including my sons name since his name is on some of the open accounts, and openly discuessed how many accounts I had.

I paid the account in full and want it closed so it wont effect my credit score, and was told by the representative that its up to the credit reporting agency to decide if the account will be left as open or closed ; which I know is not true, it has to be marked paid in full and closed. It isn't an open account, there is no balance due! Also, she was extremely rude and talked over me multiple times and I had to raise my voice to get her to listen and let me speak.
Consumer complaint received 2020-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (PA)

XX/XX/XXXX To Whom it May Concern, In the fall of XX/XX/XXXX I was contacted by Ameritech Financial with the promise of a program to help me pay back my student loans. The promise was I would pay a reduced amount for 10 years, then the remaining balance would be wiped away. I researched the company, talked to representatives from the company, and checked with the XXXX XXXX XXXX ( which gave Ameritech a good review ). This deal was similar to something other companies were also offering. I started paying the {$100.00} per month in XX/XX/XXXX. I continued to pay it all throughout XX/XX/XXXX ( 12 months ),  and noticed that in XX/XX/XXXX,  the payment did not automatically come out of my checking account, as the previous payments had. When I checked with XXXX XXXX ( the Department of Education organization that my loans were originally with ), they informed me that I hadnt made a payment in over a year, and that I was on a zero payment repayment plan. I had not made those arrangement with XXXX XXXX, and my username and password no longer worked. My guess, with the help of the agent from XXXX XXXX, was that I had been duped, and Ameritech had something to do with my login information changing and my zero repayment being set up with XXXX. The agent from XXXX XXXX recommended that a file a complaint through the Federal Trade Commission. I did that, with no result, just a sorry, but decided to call them anyway. They recommended I file a complaint at consumerfinance.gov., hence this complaint. In the meantime, I did a little more research on Ameritech Financial, and saw many stories in the news how Ameritech took money from many people hoping to help pay off their student loans. I will be attaching an email I received from the Federal Trade Commission in regards to legal action against Ameritech and what I can do. I am hoping that this letter is the first step in recovering the money that I thought was going towards my student loan, but was in fact lining the pocket of some crook. Thanks in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avantus, LLC (CT)

I had my credit report run today, trying to refinance my home mortgage that has been going up due to an adjustable rate. I have no late payments on my credit report at all except for a car loan which I made my last payment on and have never been late. In XXXX I went to see my mother in XXXX XXXX as an emergency and forgot to pay but never got a notification from the car company XXXX XXXX XXXX and I 've been pre-paying and paying extra for years. My credit report shows that I am late in the month of XXXX and we are not through the month of XXXX, I paid the entire bill off over the phone today, XX/XX/XXXX. They can not mark me for the month of XX/XX/XXXXif I was not late the entire month of XXXX and they should not mark me late at all after breaking Facra. Please have them clear my credit report of any lates, the entire loan is paid off. Please have them delete any lates and show a XXXX balance. I spoke with XXXX at XXXX XXXX
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2020-02-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CO)

Hello, I refinanced my VA loan with PHH and closed XX/XX/XXXX. It has been over two months and I still have not received my escrow refund. They claim they sent a check out on XX/XX/XXXX after waiting for weeks, I contacted PHH in XX/XX/XXXX and they indicated they would send a replacement check on XX/XX/XXXX, after three weeks and still no check, I contacted PHH again and they blamed the USPS for me not receiving the check. On XX/XX/XXXX PPH told me to wait and see if the check arrived over the weekend and they would give me a call Monday, XX/XX/XXXX, to followup. I did not receive a followup call so I contacted PHH again and they informed me a request had been made to expedite the issue but it would take 7-10 business days before they knew anything. They told me to just wait and they will get back to me. It has been over two months since I refinanced my loan and still not receipt of my escrow refund. Every time I call PHH they tell me they are working to resolve the issue and it will be another 7-10 business days before they or I know anything. As a consumer, I have been taken for a ride and it appears I have no recourse nor any type of consumer advocacy to resolve the issue. I fear I may never receive my escrow refund after repeatedly being told to wait 7-10 business days.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc. (MO)

I recieved a debt collection notice from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, c ; XXXX XXXX CA XXXX ; XXXX. I never borrowed any monies from them and so we called them. On the debt collection notice it does not have an amount due just that i have an unpaid balance with them. I called them and they would not release any information without a social security number and other information about myself. I would not release that to them because i have never heard of them and they will not release the information without it. They are threatening me in the letter they sent. I have never heard of this company, nor have i ever borrowed anything from them.
Consumer complaint received 2023-03-24
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: Spring Oaks Capital, LLC (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account Spring Oaks Capital LLC has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I

n XX/XX/XXXX/XX/XX/XXXX I had 3 significant events that changed my life- a death in my family, an illness and unemployment, this the reason why I began to fall behind in mortgage. In XX/XX/XXXX,
I had applied for mortgage assistance and was given the run around for several months. At first I was told to send in my husband 's financial information including his pay check and his tax returns and  several months later I was told his income can't be included. So I applied for unemployment forbearance and was accepted for forbearance for 6 months. In those months during modification, I asked to pay down mortgage so I wouldn't get further behind. I was told by agent on several occasions that I would like to make a payment toward my mortgage and they refused to take payment. In XX/XX/XXXX ( XX/XX/XXXX-XX/XX/XXXX ), I  made every payment for the unemployment forbearance. At the end of the forbearance, I was told to apply for modification. The agent said I would not be able to use my husband 's income toward modification, but he can pay me rent toward property, which he did. He paid {$2000.00} for him and his son ( XX/XX/XXXX through XX/XX/XXXX ). We did as we were told by Chase agent and payments were made toward rent. I was informed in XX/XX/XXXX that the rental payments could not be considered. Also, I was told that my husband 's income could be considered at numerous times and then they changed their mind and said it could not be considered. I have asked numerous times can my outstanding balance be added toward end of the loan, so we can start making payments. Also, I made a call about reinstatement fee and they mentioned I a foreclosure was ordered last summer while I was in the middle of forbearance/modification process. Chase has no business being in the mortgage business, they are very manipulative and lied to me about the status of account on numerous occasions. They have purposely delayed the modication process so I would be further and further behind. Also, they basically told me there is nothing I can do since my loan will be sold in XX/XX/XXXX. This is frustrating as a long time customer of Chase mortgage and my household has an income to pay the mortgage. It's frustrating that we want to pay, but it has not been accepted for over a year. Chase has caused this problem, they need to rectify their wrong.
Consumer complaint received 2020-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.
Consumer complaint received 2022-10-15
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)

This is my FURTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXXBalance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2019-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

Good afternoon, I am a cosigner on a loan for my little brother through the company Sallie Mae. When my brother first applied for a loan through this company he chose the wrong loan option. Instead of choosing to deffer the loan, or to pay a small interest fee of {$25.00}, he chose the in school interest repayment option. Not paying attention, I signed off on the loan because he told me that he had everything taken care of. So in the month of XXXX of XXXX I received a notice telling me that I had to pay Sallie Mae {$100.00} because of the plan we chose. I was confused and called to ask them if there was any other way to change the loan to a deffer loan and the representative on the other end told me there is nothing they can do and I have to pay this amount or else my loan will go into collections. So I explained to them that it will be hard for me to pay that amount of money because I am a dual major in college that works at target, and I have to pay for my school out of pocket ( which is about {$1500.00} a semester ), my rent ( because I can not afford to live on campus ), my car note, my car insurance, my utilities, school supplies ( like books and any other nursing lab expenses ), my phone bill ( which includes myself, my father, and my XXXX younger brothers ), and my brother is a XXXX in college with no job. However, because I was told there was no other option and I had to do this I agreed and told them that I will pay the {$100.00} a month. In XXXX of XXXX, I received another notice telling me that because the second half of the loan was sent out I had to pay {$200.00} a month now instead of the {$100.00}. I called the company multiple times and talked to multiple managers to see if there was anything I could to deffer the loan so that we would not have to pay while he was in school. All of the managers and representatives once again told me there is nothing they can do and that I had to make the payments. On XX/XX/XXXX, I called Sallie Mae because they called to tell me that my payment for XXXX was past due. I was aware it was because I was not able to afford the monthly payments. So when I talked to another representative he informed me that I could ask the school to send the money back to Sallie Mae and from there Sallie Mae could let me apply for a new loan so that we would not have to pay a monthly payment. This was the first time anyone has ever told me about this option because if I had known about it before the loan was ever sent out, back in XXXX, I would have applied for a new loan then. Unfortunately, now it is virtually impossible for me to get that money back from the school because it is finals week, the last week of the semester. So basically, I was forced to pay a monthly payment because I was told they could not do anything to help me and now I am being forced to pay {$200.00} a month until my brother gets out of school. Sallie Mae has lied to me for months and they now do not want to do anything about it!