davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (SC)

I made the payment to my landlord on XX/XX/year>. 
The company IQ data calls me every day and they always threatened me to put my name in the collection, even though I said I had already paid the debt, sending them several emails with proof there. 
They put my name in the collection incorrectly, I called them again and they want to receive the amount I already paid in any way. My landlord sent me an email informing me that he requested that the file be closed on the day I paid the debt, and even so the company Iq data placed my name in the collection.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: Aspen National Financial, Inc. (CA)

I have try to resolved an issues with Aspen National Collections with no luck. This is all over Resort maintain and tax fee. On XX/XX/2021 I call and spoke with XXXX XXXX who got mad when I requested validation of debt since they are refusing to get deletion done. Then I spoke with XXXX XXXX. " Manager " he stated they do not do deletions or actually they do not know how it work. I do not believe they have the proof debt. 

Today XXXX I call again and spoke with a XXXX again a manager. 
He said by company policy he can't delete from the credit report. He said their clients do not allow credit deletion. I told him that the address was wrong and I never got the opportunity to pay it before it went to collections. He said they mailed 3 collections notices to the XXXX XXXX. I told him again that was not my address anymore. Even when I told him that the address was wrong and never had the chance to pay it before it goes to collections he continued refusing to delete. 
I do not understand why they are doing this. They do not have validation of debt nor do they have my correct address. This is all wrong and their mistake and therefore should be remove from my credit reports.
Consumer complaint received 2019-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Name of Bank : First Charter ( initially ) then Fifth Third Bank bought out XXXX XXXX XXXX XXXXt : XXXX XXXX XXXX and XXXX XXXX XXXX Account # XXXX Amount Financed : {$150000.00} APR : XXXX  % ( {$61000.00} ) No. of pmts : XXXX ( originally XXXX XXXX XXXX XXXX with Fifth Third ( I was given no explanation for this added pmts. ) Total of pmts : XXXX Date of Loan : XX/XX/XXXX thru XX/XX/XXXX This loan was supposed to be paid off in XX/XX/XXXX. I was originally suppose to make XXXX pmts @ {$1100.00} and to be notified about the amount of the last payment. This should have been in XX/XX/XXXX. I continued to make monthly payments because I was not paying attention and did not pull the original loan papers. Fifth Third sent me a letter on XX/XX/XXXX. They notified me that I would owe a balloon payment of {$41000.00} due to the increase in the prime rate. I was never told about a balloon payment and Fifth Third never notified me of such. As of XX/XX/XXXX I have made XXXX payments even thou I was only supposed to have to pay XXXX. I have met with the bank manager but was not satisfied with the outcome. According to Fifth Third I will have to pay the balloon payment in XX/XX/XXXX. The tax value of the motorhome is only {$7800.00}. I feel that XXXX XXXX nor Fifth Third have informed me of a balloon payment, I would have never agreed to such a thing. There is a waiver in the note giving the bank the option to do the right thing, but they haven't shown the ability to do the right thing.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$.00} was removed from my BankAmericard XXXX card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : XXXX and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred XXXX times in the last seven months.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

My Bank, PNC in XXXX PA, paid my full credit card balance {$4800.00} instead of {$120.00} minimum due payment I checked on online banking for them to pay. This made an overpayment in my checking account This caused other monthly bill payments to bounce. I had to call the PNC bank seven times and spoke to two managers who guaranteed me they would fix the problem but never did. Those managers names were XXXX XXXX of the Retail Escalation Department and XXXX XXXX whom I do not know what department he was from. 
A lady name XXXX XXXX who was not a manager but from the Retail Escalation Department helped me stop the other checks from bouncing and took of the bouncing fees ( hopefully ) yesterday XXXX XXXX 2016, She is not a manager. XXXX XXXX took time to help me when those other managers did not give a clue of what to do. I was told by XXXX the reversal of this horrible mistake will take three days to be cleared. This means the credit card payment can not be paid until next Wednesday XXXX XXXX. I asked XXXX for another way to pay my credit bill without being charged a fee and she did give me an alternative. I am hoping this complaint will stop PNC from continuing to make mistakes to my account. I am looking for another bank to do business with. Thank you. PS. I spoke to a man named XXXX ( he said he was not allow to give a last name or ID number ) in your complaint Department, he told me it would be better to write a complaint even though your website says I can do both.
Consumer complaint received 2015-04-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

We have been working with Wells Fargo trying to obtian a modification. We have been told we can afford the payments, which we have agreed, however we fell behind becuase we needed major repairs to the house. We asked for a lower interest rate we currently have a 8 %. Which has also been denied. Wells Fargo just keeps saying we can afford it.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp (CA)

Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. '' This is deceptive as there was never a " loan on its way. ''
Consumer complaint received 2020-09-09
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. (AL)

This agency failed to provide me with how they verified these alleged debt when requested. 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (HI)

Starting back in XXXX, a debt collection company that goes by the name XXXX XXXX XXXX EOS XXXX, and XXXX XXXX XXXX XXXX  XXXX has been continually mailing me letters claiming I owe them {$810.00} and XXXX is the original creditor. Its come to my attention that this debt was XXXX in my Chapter XXXX Bankruptcy back in early XX/XX/XXXX. And that is public information through XXXX. Plus Ive also written to this company on a couple occasions in the past and also just recently explaining to them that this debt was XXXX in bankruptcy back in XXXX. This is a clear violation of Title 11 U.S. Code 524 ( a ) ( 2 ). They have ignored and disregarded this information every time Ive told them and they still continue to insist that I owe them this money. In XXXX of XXXX I even had one representative from their customer relations department, via a phone call, say to me she didnt care about the bankruptcy that all she cared about was collecting money from me for this debt. On XX/XX/XXXX they openly admitted to you CFPB that the XXXX statements that they are in possession of are dated XX/XX/XXXX & XX/XX/XXXX, which shows they were aware this debt was XXXX in my XX/XX/XXXX bankruptcy. 
And in addition to all of that they are currently paying to report negative derogatory information on all 3 of my major credit bureau files. Which is in violation of the FCRA which states that while an item is being investigated the debt collector MUST indicate that the account is under dispute and must remove/cease from reporting any information on the item. Again they completely disregard this as well. 
Public records show across the entire US show that XXXX XXXX XXXX EOS XXXX XXXX XXXX XXXX XXXX XXXX continually violate the laws set forth regulating their practices in multiple lawsuits filed against them, many of which have been found in favor of the consumer. And theyve already been the defendant in class action suites as well. And yet they still remain in business to continue on with their unfair illegal collection practices. Obviously money paid out for law suites against them does nothing to make them change their practices so to be within the law. 
I sincerely appreciate the helping with the matter. But ultimately what really needs to take place is someone / some agency looking into all the complaints and lawsuits against them as a whole big picture of the company and stopping them from continually being able to break the law and hurt many consumers. Its not fair to all of us consumers that they essentially get away with deceptive, hurtful, illegal practices with no more than a financial slap on the wrist.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (TX)

Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe.
Consumer complaint received 2021-11-29
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: World Acceptance Corporation (AL)

I have submitted numerous disputes with XXXX regarding inaccurate information being from World Acceptance Finance. The inaccuracies regards XXXX closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's XXXX reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with XXXX to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. XXXX needs to correct this issue or delete the accounts. World Acceptance also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did World Acceptance reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (PA)

Ordered online Furniture from XXXX XXXX XXXX and used XXXX credit for item on XXXX/XXXX/15. Account charged XXXX. Merchandise never delivered was told delivery company received it damaged. Have made over XXXX phone calls to XXXX since XXXX/XXXX/15 regarding where the order is. A second set was ordered on XXXX/XXXX/15, Arrived at delivery address on XXXX/XXXX/15 -- this set is damaged and in very poor quality condition. Cost with ship ing of this item exceeds {$1000.00} and now there are XXXX items on my charge XXXX credit, Synchrony Bank is delaying the process to remove the charges for these items, I still have damaged furniture which I in good faith have tried to remedy, this Company and Bank are not making me whole for the goods purchased and essentialy I was charged 2 months of interest for an item I did not receive at a 23 % finance charge, when I called to complain the XXXX time I was told I would need to produce proof that I paid interest on this item to have the full refund to my account.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My home loan is through Ocwen Mortgage ( it was not the originating lender, it was sold to them ). I have tried several times to make extra payments toward the principal on my loan with explicit instructions that the money be put ONLY towards principal. Each time it was " mistakenly '' treated as a payment and had interest removed. I had to fight with their people on the phone to have the payment properly credited -- which they finally did. But, now I 'm hating the thought of having to go through it again. I have researched their site looking for proper instructions in how to make extra payments towards the principal and ca n't find the proper instructions. I 'm extremely disappointed with this company and wish I had some control over who the loan was sold to. I pay more than my mortgage each month, on time, but I feel like this place is looking for ways to make me pay extra all the time!
Consumer complaint received 2021-10-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (SC)

When logging in, the company has an old loan amount that populates online. There are 2 accounts - 1 ) my current student loan and 2 ) and old student loan from YEARS ago when I refinanced to get away from these XXXX. XXXX XXXX sold the loan back since then I've opened at least 3 CFPB complaints for XXXX behavior and will continue to document their scam tactics. Currently, I'm making calculated overpayments on my loan, but I'm unable to see anything because their website continues to direct me to payment history of the paid off 2019 student loan - I'm unable to access the payment history for my current loan.
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Bond And Collection Associates, Inc. (NY)

Received letters from XXXX XXXX XXXX twice since 2018. I contacted them with question about the debt/delinquent account, and why it pertained to myself. My father and grandmother purchased a vehicle through a local dealer. On the letter from collection is reference from the dealer to myself with an outrageous balance that is false and also doesn't involve me. They give no information in why they're collecting this debt and also no reason given about such.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion is reporting my XXXX student loans multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total of XXXX bad accounts. Their newest reporting caused my credit report to dive by XXXX points in 30 days. In truth, the XXXX accounts have been transferred to a new company & are all in positive standing. They are also reporting different spellings of my name that need to be removed ; I have never requested credit under the other variations. TransUnion has been doing this to me for yeeeeeeeeeeeaaaaaarrs. I 'm pretty fed up with their unfair reporting.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

My credit report showed me a hard inquiry made on XX/XX/2019 in XXXX, FL that drop my credit scores and I never been in XXXX or the following company. 

The information I have from the company is this : - SYNCB XXXX, FL XXXX. 
XXXX XXXX XXXX/ XXXX XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who made this credit request to the mentioned above. 

Hope this can be solved as soon as posible because Ive been working really hard to fix my credit. 
Thanks.
Consumer complaint received 2019-02-26
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. (CO)

XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (NY)

I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.
Consumer complaint received 2016-07-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association (OH)

Complaint is that New York Community Bank is NOT reporting mortgage payment information on XXXX mortgage holder, XXXX XXXX, CRA record and IS on the XXXX mortgage holder, XXXX XXXX, CRA record affecting XXXX mortgage holder credit rating since bankruptcy in 2007. NYCB has been notified repeatedly by USPS mail, certified email, email, phone, and attorney representative to correct this oversight to add payment history of mortgage status to XXXX XXXX 's CRA records. XXXX XXXX is an XXXX XXXX woman. XXXX XXXX is a XXXX XXXX woman. We have asked NYCB several times over several months to correct the information on XXXX XXXX 's CRA report. They acknowledge the submission of a reaffirmation agreement with NYCB, however, claims that the reaffirmation agreement was not filed with the court system, even though signed by the bank 's representative AND even though they have continued to submit a bill, have been paid continuously on time and have continuously reported good standing for XXXX XXXX on her CRA reports.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (FL)

Early warning services is reporting inaccurate reports showing that in the past my account such as XXXX XXXX, XXXX New York XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Were updated closed but not in a good standing. All my bank accounts balances were paid to XXXX. There is no balance owed on any of the accounts There not advising of why the accounts were closed accurately. Which is hindering me from opening up a bank account in my name.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was granted a loan modification which included exuberant fees in the amount of XXXX in addition to the past due mortgage payments. I had no problem paying the missed payments, however, the additional XXXX was excessive and Bank of America took advantage of me when I was vulnerable and in a financial bind. This has put me in a horrible situation. Im severely underwater and cant refinance my mortgage to a lower interest rate. If Bank of America hadnt added on excessive fees in the amount of XXXX, I would not be underwater!