davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (PA)

i started recieving phone calls from a Halsted finanicial services i have never heard of this company i have never received any correspondence from them and when i ask them what they are calling about they wont tell me unless i give them my personal information which i will not do because i have never heard of this company and it could be someone comitting a scam. and not the real company
Consumer complaint received 2015-10-12
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

My father wanted to send money to his sister XXXX. He sent my sister to handle it through MoneyGram XXXX at a WalMart that uses MoneyGram. Instead of setting up her own information, she used my XXXX her sister ) information for the same address to be used as the sender. When my aunt went to receive the money, it was under the impression that it was under my father 's information as the sender. Using the wrong information, she can no longer receive the money. While trying to talk to WalMart about this, they told us it was MoneyGram who was holding the money. I tried to contact MoneyGram this morning, but their automated help system was less than helpful to say the least.
Consumer complaint received 2015-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I was unexpectedly hospitalized in XXXX of 2015. While I work and have medical insurance, I have a XXXX child with limited income. I submitted a financial assistance packet for review to the medical billing office of XXXX XXXX XXXX XXXX for the hospitalization bill. It was reviewed, accepted and the account was closed and settled in full. During the process XXXX XXXX XXXX XXXX had sent the bill to Collection Consultants of California, and retracted it the same day. I have called Collection Consultants of California and notified them that the account was settled in full. I have also provided CCC with proof of this via fax ( with confirmation ) of my notice of account settlement letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has called them twice on my behalf in an order to close out the account. Collection Consultants of California has continued to harass me regarding the debt, they have not properly closed the account although it was settled in full. They have now sent the debt to my credit report to negativity affect my credit. They are unlawfully harassing me, and will not remove the account from their files although it was paid in full. Please help me.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently looked at my credit reports and noticed the following unauthorized hard inquiries : 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 Transunion 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 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MS)

I suffer from XXXX and XXXX. In 2011, I visited a car dealership with my wife just to window shop because I did n't have a down payment. Soon the sales rep led me in the financing officer 's office and offered me something that has now totally destroyed my credit. They suggested that I write them XXXX post dated checks and that they were going to lie and tell the finance company that I maded a {$1500.00} down payment. Having problems making good on the post dated checks, I had to take out multiple pay day loans in order to pay the car dealership. I still owe those loans XXXX years later. I told the loan company about my problem but they refused to help me.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (IN)

i have talk to then and told then it was not me and show all I got that say it not me and they have not stop.i wish you put a stop to then and show it not me.i have try and try to tekk then it not me but they have not stop so I an sending this to you and let you stop then
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MD)

I made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.
Consumer complaint received 2021-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2021, I consumer XXXX XXXX received a notification that NAVY FEDERAL reported negatively on an account that is being disputed. That is a violation of the federal law, 15 USC 1666a ( b ), 15USC1666b ( a ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ). I contacted NAVY FEDERAL on XX/XX/2021, to resolve this issue and remove the late payment in which they refused. I informed the supervisor XXXX, who refused to inform me that she was a debt collector, which is also a violation of the law. NAVY FEDERAL was ordered to CEASE AND DESIST communicatin with any third parties, in which they acknowledged reciept of such letter on XX/XX/2021 ; at this time they are in violation of that letter.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CASHCALL, INC. (NC)

Back in XXXX XXXX, I took a loan from a company called " Cashcall '', after a couple of months, they stopped taking payments and said nothing to me. I became concerned that a large payment may be coming so I called them and was told there was a problem with the way they took money, she also said my credit would n't be harmed and I would be contacted. I was n't contacted until now, letter dated XXXX/XXXX/XXXX, post marked XXXX/XXXX/XXXX. If it was n't legal then, why should I think it 's legal now.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (FL)

I sent an letter on XX/XX/XXXX regarding the inaccurate information being reported on my credit report. The letter was delivered to Experian on XX/XX/XXXX ( tracking number : XXXX ). The letter stated I was disputing the affirm accounts that was being reported late. On XXXX XXXX I received a letter from Experian that was dated XX/XX/XXXX in which it stated the investigation of my dispute was complete and the accounts matched the disputed request. I called the same day to speak with an representative to understand what the letter meant. According to the letter the accounts shouldve either been marked as never late or removed if the item already matches the dispute. But to my surprise the representative said she had no record of the account being disputed nor did she see the original letter of the dispute which shouldve been uploaded. She also stated she wasnt sure why I received a result letter without it being disputed ( which was the only thing she could see regarding the dispute ). So I asked to speak with another representative in which she also said the same thing and only could open the dispute again and I would have to wait up to 30 days to receive the results. Experian has violated my right under the FCRA to dispute incomplete or inaccurate information by not investigating the items that Ive stated to be incorrect. I will attached the letter I received that shows the report number as well as the results for an dispute that was never disputed. I also will be getting in contact with an lawyer to see the steps that can be taking due to my rights being violated
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

I contacted my current mortgage servicer, Seterus , Inc. to make payments on my mortgage account. However, after more than a week, Seterus. Inc did not process the payments and the amount remained in my bank account. I called Seterus, Inc. again to inquire about why the payment was not processed. They told me to contact the bank because it did posted to the account. When I called the bank, the bank informed me that Seterus, Inc made no effort to process the payment through my account. In the interim, I received a notice of default for my mortgage. Another attempt was made to process the payment through a different account. I decided to close my checking account and resend the payment ( XXXX XXXX XXXX ), but allow it to come out of my savings account instead. Without my personal authorization, this payment was some how rejected, as well. Nonetheless, I made another attempt to process my mortgage payment, but this time from a totally different account. Although, Seterus, Inc is agreeing to accept my payments and providing me with a confirmation numbers, Seterus, Inc. is not processing the payments. Although, I have made several attempts to make mortgage payments to Seterus, Inc., if payments are not properly posted to the account, additional interest and fees are accumulate, raising the balance on my mortgage. Furthermore, even though numerous efforts have been made to make payments on my mortgage account, Seterus , Inc, is trying to force my loan into foreclosure.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX it was my last possession that I had of my card. My card was in my wallet and my boyfriend had lost my wallet, he told me about it too late. An unknown person was making a transaction from XX/XX/XXXX to XX/XX/XXXX. I called my bank which is chase, I told them all the info and that I did n't do none of those transaction on those days. They did the investigation. Now they telling I owe them just because the checks and everything its in my area now I 'm being charged {$3500.00} when I did n't even have that much money in my account to begin with in the first place. I did n't autorize none of this and the bank wo n't hear me out because they said that all the transactions were made around my area. That amount of money was n't in my account. Why am I paying for something that someone else did and I had no knowledge of.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting incorrect information on my credit report. I have XXXX accounts with XXXX. ( XXXX ). I have sent in proof from XXXX that these accounts were never paid late and they should be listed as accounts that are satisfactory. I also have XXXX collection accounts on there that do not belong as I was on Medicare at the time and Medicare told me they paid these XXXX bills. Now they are in collection. With this incorrect information on my report is affecting me in obtaining credit and affecting my credit score. I have contacted transunion to dispute this several times and am being told that they can not re-dispute this information. So am I just suppose to have this wrong information keep reporting on my report and have it affect my credit score? This is completely wrong.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (IL)

After many months, we were finally able to reach an affordable loan modification with XXXX. But soon after that, XXXX grossly miscalculated our escrow - they charged us {$1200.00} per month for insurance instead of the correct amount of {$1200.00} per year. Despite repeated efforts on our part, they would not fix the problem, they stopped crediting our payments correctly, and they put us into default. Instead of fixing the problem, they sold our account to RCS, which is now foreclosing on us because of XXXX malfeasance.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (CO)

I have a credit card with US Bank. I made several attempts to pay the balance via telephone and internet. Phone kept on hanging up and internet log in did n't work. 
After I finally got to talk to somebody the bank charged me {$170.00} dollars in fees. And because I was 21 days late I am sure I was reported to credit reporting agencies. I feel I was treated unfairly paid my balance and close the account.
Consumer complaint received 2020-05-26
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (MO)

National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also, falsely reported to XXXX that myself and my daughter have an unpaid debt.
Consumer complaint received 2015-09-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CO)

This is a copy of a email I sent to XXXX XXXX of US Bank asking for help. I am not able to know nor see what I owe for my XXXX payment. The letter say XXXX amount and the brank manager says a different amount. The email text is below. 

Hi XXXX, I met with XXXX today at the US Bank branch office. He pulled up a payment that is due for this month and is {$240.00}. and some change. The attached letter says that amount due is {$120.00}. No knows really what I owe here. How can one do business and pay what is fairly owed. I will be sending another compliant to the CFPB about this. 

Despite the letter saying that I missed or was late for payments for XXXX ... .. I did make payments each time of the amount due for each month was dinged a late charge. XXXX tried to get a amount detail of what I owed for XXXX, but was told to have me call this number at BK Mortgage Hotline of XXXX. I called this number and was told to call or go the bank as they can help me. XXXX is not able to see any details of what makes up a payment. This is getting me no where. Please help!!!!!!! 

Kind Regards, XXXXHow can one make a payment, yet not getting any details. This is a classic case of loan fraud. I need this resolved by dropping the loan as the bank is practice deceptive practices on lending. This has been going on for years.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Amerisave used bait and switch tactics and fraudelent contract misrepresentation to gain our business on a refinance. We applied for a refinance on XX/XX/XXXX and reviewed the contract sent over by Amerisave. We questioned the contract when we saw that the rate wasn't fixed and we were told multiple times verbally and in writing that the rate was fixed and not to worry. Based on this information, we signed the contract and paid a {$500.00} application fee to Amerisave.

We contacted Amerisave several times via phone and email to make sure we didn't need to provide any additional information. In XXXX we became concerned that our rate might expire based on the delays on Amerisave 's end. On XX/XX/XXXX we were told in an email by our loan processor XXXX XXXX XXXX XXXX that " I will ensure your rate will not expire if XXXX XXXX XXXX is slow on finding an attorney. '' He also advised us to take the first appointment offered by the title company. 

When the title company called on XX/XX/XXXX they offered us a closing on XX/XX/XXXX at XXXX which we accepted. We forwarded the appointment information to our loan originator and processor the same day, and our loan processor confirmed he received our email on XX/XX/XXXX and said he would have documents prepared for the closing. We checked in with Amerisave on XX/XX/XXXX and did not receive a repose. The night before our closing the title company said they never received paperwork from Amerisave and needed to postpone our closing. 

Our closing was then rescheduled to XX/XX/XXXX, and Amerisave ended our rate lock on XX/XX/XXXX ( the next business day after our original closing date ). Amerisave then provided us with a new set of costs and terms on XX/XX/XXXX that was {$5600.00} more than our closing documents from our XX/XX/XXXX planned closing. At this point we ended our business with Amerisave since they refused to honor the original terms. They refunded our {$500.00} application fee, but because of their illegal lending scams we missed out on record low interest rates. 

This is a clear bait and switch tactic - Amerisave refused to honor our agreed upon closing date then tried to charge us over {$5000.00} the following business day. We ask that Amerisave reimburses us {$5600.00} since this experience forced us to miss out on the great rate we locked in in XXXX. We can provide any additional proof, emails, contracts as needed to prove our case.
Consumer complaint received 2015-10-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from capital one.
Consumer complaint received 2024-05-14
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: NCD Financial, LLC (FL)

Upon checking my credit report, I found that the company NCD Financial LLC is illegally reporting fraudulent and negative information to my credit reports.

I have never done business with this company, nor have I ever opened an account with this company. They are reporting balance on an account that does not belong to me.

I immediately disputed this account with the credit bureaus and I immediately contacted NCD Financial LLC to let them know that they are illegally reporting an inaccuracy to my credit report. When I notified NCD Financial of this error, they quickly disregarded me and refused to assist me in any way. They stated that the account was opened online and anyone can open an account online. They also stated that they are not the police and it is not their job to investigate fraud.

They proceeded to transfer me to a collection company called XXXX who also refused to assist me with the dispute.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Working with California Mortgage Relief and Schools First, my lender.

Schools First engaged in a pattern of lies and deception for almost a year as they scheduled 5 foreclosure sales on my home without informing me of a single one of those sales. " Lost '' my paperwork for the program XXXX times ( not an exaggeration! ), then used these " losses '' of paperwork to schedule even more foreclosure sales. " Lost '' recorded phone calls proving I had an agreement with them. " Lost '' details of other numerous phone calls I made to them. 

I filed a complaint with the CFPB - their response? " Why, we here at Schools First are *wonderful* at customer service. XXXX XXXX is just a grouch and he complains all the time ( by the way, almost 40 years there and I have never complained before! ). We do everything right and he's just a meanie! '' As of now, the California Mortgage Relief allows {$80000.00} to catch up. I was {$36000.00} behind and they illegally added late fees and interest ( against the law when the amount is in dispute ), ballooning it to over {$75000.00}. That leaves {$5000.00} for the 2nd mortgage. I applied for that {$5000.00}. I sent Schools First screen captures showing that I had applied for the rest of the funds to be applied to the 2nd mortgage. They then IGNORED ME COMPLETELY, REFUSED TO RESPOND, and then sent each other emails saying " DON'T RESPOND TO XXXX. '' They also through lack of technology skill and general lack of intelligence SENT ME THOSE EMAILS. I have attached a sample from the DIRECTOR of Loss Mitigation at Schools First
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (NY)

Equifax has been consistently abusing their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letter that I've previously sent via certified mail. This company isn't going by the boundaries of FCRA, FDCPA and The Coronavirus Aid Relief and Economic Security ( ChChch ) Act.
Consumer complaint received 2016-08-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I originally applied for mortgage remediation in XXXX XXXX. My request was denied in XXXX XXXX. I applied for mortgage remediation again in XXXX XXXX. I started making trial mortgage refinance payments on XXXX XXXX, XXXX. My mortgage was refinanced in XXXX XXXX, and I returned the final signed documents on XXXX XXXX, XXXX. 

Despite all of my payments to the mortgage company, Citizens One reported my account as 150 days late as of XXXX XXXX, XXXX, and then 120 days late as of XXXX XXXX, XXXX. Both reports are false. When I called to complain about both items ( which are now on my credit report ), I was told that my account was now current, but that Citizens One would NOT be removing either negative item from my credit report. I have attached four files to demonstrate all of these assertions.