davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC (IL)

I have chosen a XXXX XXXX XXXX school in the town of XXXX XXXX, at XXXX, for my XXXX, they promised me and gave me a wrong information dramatically, just, only Federal loans will cover your two years of XXXX, they came to me one fine morning, they have asked me to sign a form to raise more private student loan by way of raising loan only your entire two year student cost 's will be covered apart from the Federal student loan, i could not do anything at that, since i have already started my classes in the middle of the semester, i was trapped and forced to sign that private student loan application form which was given to me by XXXX XXXX finance office, by way of raising the private student loan from XXXX XXXX XXXX XXXX to cover my student costs. I was not able to find an appropriate employment in my filed, and i am single parent / single father and raising my XXXX year old child, and now i am Haunted and constantly harassed by the collection agency called XXXX /First Associates of Loan servicing and a collection agency for the ( XXXX XXXX XXXX ) XXXX from California constantly making the harassment to make the payments. which i am struggling and surviving by way of pay check to pay check to protect my child and my self. XXXX XXXX IS A MAJOR SCHOOL FOR PROFIT AND TOTALLY A FRAUD INSTITUTION AND THEIR CREDITS ARE NOT TRANSFERABLE ANYWHERE THAT CAUSED A SERIOUS PSYCHOLOGICAL AND EMOTIONAL PAIN IN MY MIND AND ALSO IN THE MINDS OF MANY STUDENTS TOO. TOTAL DECEPTIONS AND EXTREME HARDSHIP. 
XXXX XXXX, XXXX XXXX,
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I was offered and accepted a Shared Appreciation Modification from Ocwen. The modification documents they provided me to sign, stated my interest bearing principal balance would be equal to the current value of my property at the time of the modification. At the time of the modification my property was valued at approximately {$700000.00}. The modification documents stated the value of my property was {$840000.00}. When I confronted XXXX XXXX XXXX, my single point of contact at Ocwen he told me that Ocwen was offering me the modification as typed and would not make any correction related to the value. He told me if I wanted the modification I would have to accept it as is by the due date. I have honored the letter and the spirit of the agreement but Ocwen has not.
Consumer complaint received 2023-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX I was told that the XXXX would be paid off in full by XXXX with a payoff quote given to them by Capital One in the amount of {$34000.00}. This XXXX XXXX XXXX is still showing in my name although XXXX has now resold the Jeep to someone else. I saw them resale it online and even took screenshots to show that it was up for sale before the vehicle has been paid off to Capital One. I refuse to receive late payment penalties that will negatively affect my payments for a vehicle that I no longer own. XXXX claims they have sent a check to Capital One paying it off in full, but the tracking number provided only shows that the Label has been created. That tracking number is, XXXX. It is now XX/XX/XXXX and the vehicle is still showing on my credit as though it still belongs to me which it does not. The vehicle is no longer in my possession and has not been for almost two weeks now. Capital One will need to be informed as well so this can be rectified in a timely manner.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (NC)

My vehicle was repossessed as I was 3 months behind on my payments ( XXXX, XXXX and XXXX ) as the amounts for each month were {$390.00} ( A total amount of {$1100.00} ). Once the vehicle was repossessed, I spoke with the bank my loan is with ( PNC Bank ) and they stated I would have to pay {$1300.00}, which was also including my monthly payment for XXXX, but my monthly due date is not until the XXXX each month. The bank was making me pay the past due 3 months and my current payment, despite the fact that it was not due yet.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

After over 5 direct deposit transactions into my account, Wells Fargo is allowing all my day to day transactions, and the next day they are posting that I has a negative balance, for 4 days in a row. My deposits are more than my debits daily but my money is disappearing.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

I Recently had a collection account show up on my credit report from Monterey collection agency. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called XXXX that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This is not the first time this has happened with Kohls.com and the associated Kohls charge card. I placed an order on XX/XX/2018 that involved 2 items, which were to be delivered by XX/XX/2018. One item arrived on XX/XX/2018 with no problem. The other item did not arrive and the shipping tracking information for the 2nd item was invalid. Just so happens this item was never shipped from Kohls ( after to speaking with 2 customer service associates, a supervisor, and a complaint to their office of the president ) and now the price is double the original price. Kohls charge card quickly says " Sorry we will refund '' but offers nothing else. This has happened before when they increase the price of an item. They do not ship the item and just want to refund and force you to purchase at a higher price.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I applied for a loan modification with BayVIew Loan servicing. NO ONE reviewed the application with me and the assigned asset manager, was not responsive or helpful in explaining the process or what was needed. I sent in all forms and income that was requested. after what was about 2 month, a declination package was sent to me. I asked the asset manager why was it turned down and he said the DTI was 31 %. I said the paperwork you sent me said the DTI needed to be between 25-55 %. He had to put me on hold. Then he said that I could only afford a certain payment amount and that amount was not allowed. I told him the income was incorrect. He said I should have entered the correct income. I said I entered what it asked for and that no one reviewed with me. He said I needed to re apply or contact the Escalation Department. So I called the number to the Escalation Department that was listed on the decline letter and the answering message continually says the company is closed EVEN DURING BUSINESS HOURS. So I emailed them and received an email response showing the email was rejected and not read. I called the assigned asset manager back and he clearly said that the Escalation Department will not take your phone call. I asked why because they list a number. he said they just wont. He said to email them. I told him I did but the returned the email as unread. HE said that should work and not sure what else to tell me. I am very upset and frustrated. Companies should not be playing these shell games with consumers anymore. I called on XXXX and asked about making a payment and was told with the decision on the loan mod almost ready to be made, the suggested I not make the XXXX payment because that would help the modification look as if it was really needed. Now I am two months behind and cant reach the Escalation department and only have 30 days to do so
Consumer complaint received 2018-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (AZ)

I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc (SC)

Following an emergency visit to the XXXXXXXX XXXX XXXXXXXX XXXX in XXXX North Carolina it appears their bill collectors sent a medical bill in XX/XX/2016 to XXXX XXXX in XXXX  XXXX, Mo. Upon servicing this account it appeared the had the wrong City on the mailing address and as time expired wit their practice they decided to post a collection on my credit. Upon contacting them and settling the debt in XX/XX/2016, XXXX continued to report the debt as unpaid which adversely affected my credit for another six months after the satisfaction date. After calling numerous times and requesting the debt to be removed, I had to escalate to a manger named Mr. XXXX. This person basically told me they would keep the bad collection on my account and never remove it. He also said that all he would do is update the account so it reports as closed and satisfied. Upon receive it appears that Mr. XXXX not only closed the account he also posted fraudulent reporting on my credit by showing the account was included in Bankruptcy and that it was handled through a court trustee. Both of these are incorrect. I have never been in Chapter XXXX nor court appointed trustees. In review it has affected my livelihood by tarnishing my mortgage license and every XXXX I have to have a review due to their in accurate reporting. I have spoke to XXXX XXXX again and he basically acts like its no big deal and does not see an urgency in curing the problem. Can you please help?
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

This is my 2nd complaint FILED AGAINST NATIONAL CREDIT SYSYTEMS.

COLLECTION ACCT # XXXX. NATIONAL CREDIT SYSTEMS IN C.F.P.B., COMPLAINT # XXXX RESPONDED TO C.F.P.B. THAT THEY WILL STOP THE FULL COLLECTION EFFORTS ON THIS ACCOUNT, HOWEVER THEY DID NOT STATE THAT THE COLLECTION THEY REPORTED TO ALL 3 MAJOR CREDIT WOULD BE DELETED! WHEN I CALLED THEM TO ASK IF SUCH ACTION WAS TAKEN TO DELETE THE COLLECTION FROM ALL CREDIT BUREAUS, THEY HUNG UP THE PHONE ON ME, WHICH HAS NOW PROMPTED THIS 2ND COMPLAINT. NATIONAL CREDIT SYSTEMS HAS DAMAGED MY CREDIT RATING BY MALICIOUSLY NOT DELETING THIS COLLECTION, THAT NOW THANKS TO THE C.F.P.B. THEY REPLIED IN THE PREVIOUS COMPLAINT. I NEED NATIONAL CREDIT SYSTEMS TO SEND YOU IN WRITTING THAT THIS COLLECTION WILL BE NOT ONLY BE CEASED IN COLLECTING BUT WILL ALSO BE DELETED FROM ALL CREDIT BUREAUS.
Consumer complaint received 2019-05-12
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. (CA)

I was a VICTIM of your inquiries Ive tried speaking with customer service representative They would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2018-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (AZ)

I cqalled to settle debt and was on hold for multiple hours not only did they change the amount with every call transfer ( Which is not proper busniess pratice ) I EVENTUALLY settled and paid debt off XX/XX/18. I'm in the process of purchasing a home in the escrow final stage process. I need proof of payment .I have recorded all my phone conversations with the company based on the horrble consumer reviews reported by others. By law I'm entilted to proof of payment within 7 days. I have contacted multiple law firms regarding this matter and have picked XXXX XXXX to represent me if this compalin is not resloved.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Leviton Law Firm, Ltd. (OH)

In XX/XX/XXXX, I received a phone call on the store phone number demanding i pay {$140.00} for a company I have never heard of and a bill was due to pay for a outstanding contract. He threatened to take me to court and sue me for this amount. I asked for a copy of the contract and he said he will not send me any contract and kept demanding payment. 

Today XX/XX/XXXX, i received a letter for a debt for my business and i called the phone number on the paper, the lady who answers asks for the case number and they immediately transferred to a XXXX. XXXX immediately demands how do you want to pay? He wanted me to pay a different person and a different address from the letter and the company. I asked for the contract again and he refuses to send anything and threatens to sue me. I told him if you cant send me contract you will not get paid. I hung up because he was very rude and all he wanted was money. 

I do not do any business with XXXX XXXX XXXX, nor ever heard of them. Cross checking on the internet shows a merchant services processor. I do not use this company at all and do not owe them anything. 

I have done my research and have found this " lawyer '' is a fraud and the address is to a XXXX XXXX, it is not even an office! 
Please XXXX the following, you will find it has other people have same experience since XXXX! 

The Leviton Law Firm LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Telephone ( XXXX ) XXXX Fax ( XXXX ) XXXX Toll- Free ( XXXX ) XXXX XXXX XXXX XXXX Supervising Attorney This is a new fraud attempting to scam a retail business.
Consumer complaint received 2019-05-12
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: Rubin & Debski, P.A. (FL)

This firm is persistent with harassing phone calls, letters in collection of a debt that is not owed them. They have not complied to my request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt.
Consumer complaint received 2022-04-01
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. (NV)

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of XXXX points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened AGAIN on XX/XX/XXXX. It took almost 2yrs of endless calls and fighting to get it removed a second time, with me losing another XXXX points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I am paying more on my credit card account than what is required. But extra payments is n't going to lower my cash advance which I had not used in 2-3 years.The cash advance is still the same after all these years and should have been gone by now.The Credit Card Accountability, Responsibility and Disclosure Act of 2009
Consumer complaint received 2018-01-10
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. (NM)

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
Consumer complaint received 2018-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have bin a victim of fraud. currently on my credit report are 11 collections accounts I have no knowledge of and do not belong to me. Below I will provide the dates of these accounts. Collections account opened XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

Months of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this bridge crest company reported me as late when a payment plan was established. Company now stating no matter if a satisfactory agreement was in place they still need to report late. Have tried to speak with them directly, wrote letters yet still they report
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

MY BANK OF AMERICA CREDIT CARD ( XXXX. XXXX XXXX, SHOWS ME 30 DAYS LATE IN XXXX XXXX. HOWEVER, IN MID XXXX XXXX I SUFFERED AN XXXX XXXX AND WAS IN ICU FOE 4 WEEKS, BUT TO THE BEST OF KNOWLEDGE I MAILED THE PAYMENT. I HAVE NEVER BEEN LATE ON ANY PAYMENT BEFORE OR AFTER. PLEASE ASSIST.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Trans Union, XXXX is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress
Consumer complaint received 2018-01-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (TX)

As a result of health conditions ( approx. X/XX/16 ), I was hospitalized and placed in a skilled XXXX facility. Reverse Mortgage Solutions views this as a violation of the vacancy clause and has reposed my home. When I visited my home recently, I saw a sign stating that my home was listed for sale.