davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (CT)

I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.
Consumer complaint received 2024-02-21
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. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am now seeing yet something else from Portfolioi on my credit report ... ... ... .if it is the one I am thinking of and I can not be sure as I never received any mail regarding this debt ... .it is for a little over XXXX, this may have been one that was closed over 5 yrs ago so that statute of limitations has expired ... .in state of Florida ... ... .Portfolio already unsuccessfully obtained a judgement against me for over XXXX which was shortly vacated by the court there after ... ... ..that debt was still in the statute of limitations and was still vacated ... ... ... Portfolio was just sued for attempting to collect debt and reporting debt that was beyond the statute of limitations for collecting ... ... .this need to either be noted on my credit report that the debt is way beyond the statute of limitations or that Portfolio is once again using unfair tactics in their credit reporting ... ... ... the also call the home and do not identify themselves but instead use a spoofed number or they will ring in from their cellular hone which displays a name instead of Portfolio ... ... .when you answer the phone, you get cursed at until you hang up ... ... ... I am no longer responsible for this debt, period ... ... .and I do n't even know for sure what it stems from because I got no mail ... ... .I am on XXXX XXXX, own nothing except the clothes on my back and I am co owner on a Fl homestead which may have our names on it but I guarantee XXXX will still own it when we die ... ... ... .and that is protected by homestead ... ... ...
Consumer complaint received 2017-10-13
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: Santander Consumer USA Holdings Inc. (FL)

To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the FTC, and have contacted the attorney general office. 


SANTANDER CONSUMER USA Acct # XXXX XXXX
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Student loans are in deferral. Transunion is still reporting incorrect monthly payment amounts, monthly payment for all 4 loans is supposed to be {$0.00}. I have disputed this with their office at least 3x now and provided documentation as well to get this cleared up. They have n't corrected it after disputes and documentation proving what i was saying.
Consumer complaint received 2016-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I contacted Navient ( my servicer ) and requested to consolidate my student loans so that I could request Income Driven Repayment, in light of significant financial struggles ( reduced employment, and income ). The Navient representative indicated that I could not consolidate my loans XXXX, XXXX, and XXXX because they were returned to the guarantor ( The Federal Government ) and that I should contact them. The call was disconnected ( I 'm is not sure if the representative disconnected or not ). I called back and spoke with another representative, who told me that the loans XXXX, XXXX, and XXXX could not be consolidated because Navient had submitted them to The Federal Government, and the Federal Government had " rejected '' them and returned them to Navient, therefore, Navient " owned them '' and that I would have to pay them in full to Navient. I asked why the Federal Government had rejected them and when did this happen. The Navient representative said he did not have that information. I then contacted the Federal Government student loans office, and I spoke with the National Student Loans Systems representative. She checked their database and told me that Navient had NOT submitted the loans to them, and the Federal Government had not rejected any request from Navient. She indicated that she could see and could determine from the database ( Federal Government ) any transactions that would have affected my loans. She transferred me to a representative who helped me complete the online loan consolidation request ( at the Federal Student Loan website ). My loans XXXX through XXXX were included in the consolidation request. PLEASE help, I hope to consolidate my loans and request an Income Driven Repayment plan. Thank you for any and all assistance.
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Enterprise Systems, Inc. (AZ)

I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My transunion reports are showing XXXX accounts that are in collections and they are incorrect due to the fact they were filed in my bankruptcy that was filed on XXXX XXXX 2015 and should not be shown in collections any longer. We received our letter of release of debt from the court so these accounts should n't be showing to be in collections any longer.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

We are processing a short sale with PNC. On  XXXX   XXXX ,  2017 , I spoke with  XXXX   XXXX  at PNC, requesting a status as to the acceptance of our short sale offer. She informed me they are submitting to Investor end of this week and they will have an answer within seven days. On  XXXX   XXXX , I called PNC and spoke to  XXXX  ID #  XXXX . She said they had sent letter out on  XXXX / XXXX /   17 sta ting they were waiting on answer from Investor and would have an answer within 30 days. On  XXXX   XXXX , I called PNC and spoke with  XXXX   XXXX   XXXX   XXXX . She said the file is active in loss mitigation, they believe they have everything they need, sent to and waiting on answer from Investor. No decision yet. Just suggested calling in weekly, or if we want, twice a week. On  XXXX   XXXX ,  2017 , I called PNC, and spoke with  XXXX  ID #  XXXX . She said still no answer from Investor. They have gone passed the 30 day window. After that, they had issued a denial based purely on no answer from Investor. They then re-opened it with Investor, trying to get an actual answer. It stays formally as denied until they get that answer. It is unacceptable for them to refuse to issue an actual decision based on the merits of the offer due to not hearing from THEIR clients.
Consumer complaint received 2022-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Byrider Franchising, LLC (WI)

Good Morning, I had a loan at J.D. Byrider I voluntary surrendered my car. I told them many times that they do not have permission to take money from my account and they keep doing it. Today they took the payment again without my permission and it was from a credit card not my debit card. The total amount was XXXX. XX/XX/22
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ID)

I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas
Consumer complaint received 2016-09-22
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/XXXX, I opened an CD with the USAA bank. 15 years later, I call in XX/XX/XXXX, to check my account and to see how much interest my CD obtained over the years. I am then told by an employee that I have no funds in my account because I got an loan in XX/XX/XXXX. I told the employee I never signed an loan, but they fax me paper work with my signature. Although I told her I do n't recall ever getting this loan, I asked her where was the check because I never received an check. They said they would investigate. 

I call back two weeks later and they told me the check has n't been cashed, so then I request to get my money back and this is where things get sketchy. They give me the run around for two months, claiming this and that. They were suppose to put out an fraud claim, and my daughter even recorded conversations with them asking where my money was. 

Finally, I sent an complaint to the XXXX. The XXXX gave them 7 days. The CEO, XXXX XXXX, responded back to the XXXX saying, 'in my account the loan was given to me, and the funds were taken out of my account to pay back the loan. ' However, I sent an rejection to the XXXX telling them I never received an check, and that the check I was suppose to get was not cashed. If the check was n't cashed, why are n't they able to give me my money back in my account or issue me an new check? It 's because they 're stealing from customers. 

Upon searching online, I have found similar complaints from other customers within my location of who also been betrayed, lied to, and stolen from from this company. The USAA location is XXXX XXXX XXXX, XXXX XXXX Tx, XXXX
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I receive an offer of credit today from a company that I know nothing about. The company 's name is balance credit. Once I called to inquire about how this company received or obtained my personal information I was told by a service representative supervisor that the information was transferred over by TransUnion. I immediately called TransUnion to dispute items on my credit report as well as let Trans Union know that I am NOT giving them permission to sell solicit or trade any of my personal information for the purposes of optaining credit through third party lenders. I explained to TransUnion that I felt violated and that I was very upset about the fact that my personal credit information was solicited to a third party without my prior approval. I then asked to be removed or opt-out of any solicitation services immediately. All I have ever done with Trans Union was request my credit report within the last 60 days. I never requested to be added to a mailing list.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from XXXX XXXX XXXX on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.
Consumer complaint received 2015-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Check Security Associates, LLC (TX)

I keep getting calls from XXXX XXXX regarding asset location. They asked to confirm the last XXXX of my social security and DOB. I told them that info did not match me ( it does not ). They became abusive and accused me of lying. They then call my place of business and talked to my supervisor, telling her I was a liar. I am not. They have called me at home, on my cell and at work numerous times and just wish them to stop. I have told them repeatedly that they have the wrong guy but they always become abusive and I just hang up. This should not interfere with my work, let alone my private life. The person they are looking for, if the ss # and dob they have is correct, is not me.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CT)

The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.
Consumer complaint received 2015-07-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (NM)

I already filed a complaint against the issuer XXXX XXXX XXXX. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been attempting to re-structure and settle debt that I have had difficulty managing. In late XXXX, I called Bank of America 's collections department to discuss hardship programs as an option. ( XXXX ). I have since made XXXX more calls to this dept. and discussed various options and in XXXX was offered a plan that would close the account and reduce the interest to 2.25 % and a payment of $ XXXX for a term of XXXX  months. At the time I did not accept the offer, still looking at my total financial picture to decide the best option. 
I called again in XXXX and again in XXXX, on XX/XX/XXXX and then again today XX/XX/XXXX. On XX/XX/XXXX, I was able to make an arrangement on another account, ending in XXXX to settle the account. On XX/XX/XXXX, I also inquired about my XXXX credit card, which ends in XXXX. Again, in previous calls regarding the card ending in XXXX, I was given different options, XXXX of which was for $ XXXX x XXXX  XXXX 2.25 % and another which was $ XXXX for XXXX  months @ 5 %. Today when I called I was told there was no option but credit counseling, through a company referred by Bank of America, which is named XXXX XXXX XXXX. I contacted them at that time ( I believe the first time I reached out to them was in XXXX ). I have since been in contact with them again, went through the entire process and was told by them that they get no better offers ( typically ) than I could work on myself and the person I dealt with told me he thought my best option was to work directly with the bank, thus saving the set up fee and monthly fee charged by XXXX. ( {$33.00} set up and $ XXXX ). Over a period of XXXX  months, this would total {$1500.00}. So today, Bank of America told me that on the account ending in XXXX ( it is current as of XX/XX/2023 ) that my ONLY option is debt management. Meaning, the only hardship offer for me is to pay {$1500.00} to settle the account. I have XXXX issues with this. 
XXXX. Today, XX/XX/XXXX, I was able to close and settle the other account, ( ending in XXXX ) for a reduced interest rate and auto payments from my checking account. 
XXXX. Being left with no option but the one that would cost me another {$1500.00}, making it seem as if Bank of America is forcing me to pay this money to a XXXX party in order to settle the account. If XXXX is able to negotiate some settlement with a reduced interest rate, close the account and pay off the entire balance within XXXX  months, why is that option not offered to me. It is inherently unfair and coercive.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ND)

Ocwen did not pay the hazard insurance through the escrow. this is the 3rd year we have had issues with them making this payment even though we pay into escrow for it to be paid. Now they are threatening to buy more expensive insurance or make us pay out of pocket for something they should have paid already a month ago.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

XXXX XXXX XXXX says I owe them {$210.00} for auto insurance. They took my payment out of my checking on XX/XX/2023. I cancelled my insurance on XX/XX/2023. It seems they are trying to charge me for another month. I do not owe it.