davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Performance Management, LLC (OH)

A letter in the mail was received at consumers place of abode, attempting to collect an alleged debt. Said letter exposed the company name Receivables Performance Management LLC. This led the consumer to believe said letter indicates that the sender is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the Fair Debt Collections practices act.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Last week I contacted the Veteran, s Administration to see if they can reduced my Home Veteran 's Loans monthly payments. They check my credit and to my surprise they said that my Score was low.and that XXXX of my accounts were delinquent for some time. I told the counselor that it was impossible because I always make the payments. The XXXX XXXX XXXX are paying the bills for about 2 years. The VA counselor told me that I have to find out thru XXXX XXXX. I called XXXX and told them to send me all the payments made from XXXX 2015. They send it and and find out that the XXXX was making the payments, XXXX send me to The Credit Bureau, Experian,. and that was the cause why my scores went down like crazy. My telephone is XXXX, My address is XXXX XXXX XXXX, XXXX, Tx XXXX. This is serious business. Thanks XXXX XXXX 2015. They dis sen
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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not give consent as the consumer/ natural person and my privacy was violated. This is harassment deceit, coercion, and intimidation. 15 usc 1681 a state 's communication of that information among persons related by common ownership or affiliated by corporate control. Communicaton of other information among persons related by common ownership or affiliated with corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

I am a homeownership advisor with XXXX XXXX. I submitted an XXXX to Ocwen 's loss mitigation email address, XXXXXXXXXXXX, and it bounced back. I went the their loss mitigation website to confirm the email address and it is a blank page : XXXX.
Consumer complaint received 2019-02-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

My husband and I have a Home Equity Loan with PNCBank.

The interest rate is a FIXED Rate at 2.89 %. I went online yesterday to our account.

After doing some online bill paying, I opened up our Home Equity Loan account.

I clicked on the tab : Payment Details to see the amounts we paid in interest for the year XXXX for our taxes. I noticed something really strange. The amounts that we paid in interest and the amounts that we paid in principle didn't seem right. They were going up and down up and down. That shouldn't be with a fixed rate. I contacted PNC Bank to find out why this was happening. I spoke with 8 different people. They kept transferring me to someone else. Something is going on and it's NOT right. Please help us. I have printed out the proof dating back to XX/XX/XXXX up to XX/XX/XXXX. Maybe you'll be able to get to the bottom of this. We are not able to. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MA)

They will not answer calls to discuss debt repayment options! I continuously call their customer service number, navigate the automated system, am put on hold, told I will speak with the next available assistant in order the call was received, then told by computer voice that there is heavy call volume and to call back at another time and then I am disconnected.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Accounts Service Team Inc. (LA)

I received a letter from Fin Accts Sv in XXXX of XXXX with a debt owed of XXXX for equipment from vyve communications. Immediately during the XXXX day dunning period I called Fin Accts and reported that this was an invalid debt, no correct as I had already sent back the equipment they were saying the debt was for. The lady asked if I could send her the receipts from the postal service showing I had returned the equipment in which I did send them proof that the equipment had been mailed back, they had the date and tracking number of when I returned it. My town was hit by a major hurricane and it showed that due to postal service having NO service the equipment was sitting with the postal service. They still reported this to the credit bureaus as a PAID collection. This was never a paid collection as I proved to them that this was an invalid debt. It should have never been reported to any bureaus being the proof was sent to them. I have sent letters disputing this account as inaccurate information on my credit profile reporting to XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX in which no response was given to me from the XX/XX/XXXX dispute. Both XXXX and XXXX remain reporting this as a paid collection. I have never paid them anything, it should have never been added to my credit report after I proved this equipment had been returned. I didn't have to pay anything.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX I was diagnosed with XXXX XXXX and after XXXX XXXX and a loan modification which was only for 4 years my husband and I had some marital difficulties due to my XXXX and financial issues after he found a new girlfriend he left me. I filed for divorce in XXXX XXXX. Prior to that I made up and resolved the delinquencies with capital one XX/XX/XXXX by setting up a payment plan to commence XXXX XXXX XXXX thru XXXX XXXX. I made every payment in XXXX on time. Now that the divorce is over since XXXX/XXXX/XXXX I can only qualify for a purchase reverse mortgage at age XXXX, that 's in less that 2 months. 
Capital one refuse to take these delinquencies off my credit report, they refuse to give me a letter stating that I was never delinquent in XX/XX/XXXX and now they will not return my calls. If they do not satisfy the underwriters of the new loan I am trying to get on my budget, I will be homeless. 
I beg of you to please help me through this merry go round and persuade capital one to provide me with the info that I need to qualify for this loan Time is really of the essence ; Please help me. 
Hopefully XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 DEPT OF ED Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-02-26
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: Blakely-Witt and Associates, Inc. (TX)

This collection account BLAKELY WITT & ASSOC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BARCLAYS BANK DELAWARE (GA)

My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
Consumer complaint received 2019-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (GA)

On XX/XX/2018 I was approved for XXXX instore line of credit for XXXX XXXX XXXX store. I purchased a mattress set, dresser and livingroom set. my total. was {$1600.00}. I was told I had 101 days to pay off with no interest. i was told I can contact XXXX XXXX XXXX told to adjust my payments to be paid off in the 101 days, as they ach withdraw the payment bi-weekly. I called immediately to set up the necessary payments to be paid off I was told that they don '' t adjust payments and I have to tell the how much I want my payment to be. I was confused because that is not what I was told instore. I ask for my payment to be {$200.00}. I was told that the next 2 payments would be for {$200.00} and I would have to keep calling back to change the payment. Again not was I was told instore. 

On my payroll date I saw the minimum payment was withdrawn of {$130.00}. I called the company XXXX XXXX XXXX again to see what the problem was and was told the same thing. requested the payment to be {$200.00} again. This time one payment of {$200.00} was withdrawn and then the payment went back to the minimum. I called again to have the payment adjusted. The same thing happened again the minimum payment was deducted. I called again and asked for a Supervisor, the same scenario again. I asked the payment to be adjusted and the minimum payment was still deducted. 

I feel like this is a scam to keep you from being paid off in the 101 days. I called again and asked for a supervisor and she explained the same thing. I complained that I have made several attempts to pay {$200.00} but my request is not being processed. she stated that I could have paid online and I explained to her that to avoid any mistakes I wanted to call and speak with a representative to ensure my payments were made and processed properly. She continued to sate the process which has never worked from day one. She extended my pay off by 1 week and advised that I would be charged {$4000.00} in leasing fees if not paid if by XX/XX/XXXX. This is absolutely crazy to be charged {$4000.00} in leasing fees when I did everything I could possibly do to adhere to the 10 day pay off option. This is a scam to charge astronomical amounts of excessive fees. This should be illegal.!!! I'm disgusted at these practices and something needs to be done about this. PLEASE HELP ME. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX American First Finance XXXX
Consumer complaint received 2017-05-22
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: Rocket Mortgage, LLC (MI)

I applied for a mortgage from quicken loan, they did  XXXX  times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the  XXXX  hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.
Consumer complaint received 2016-09-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

My original Home Equity Line of Credit was transferred to Ocwen from XXXX XXXX XXXX XXXX. 
The loan was paid in full on XXXX XXXX, 2014. 
Although many attempts have been made, and Ocwen promised to send me a satisfaction of mortgage, it has not happened to date. 
This has costs me many hours of time, effected my credit, prevented me from obtaining loans and is still shows up as a lien on my home.
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

This debt is from XXXX, 13 years ago. I absolutely do not remember this at all and it is a XXXX cell phone bill. There is a statue of limitations on this type of thing and they are threatening to put me in collections from a XXXX debt I dont remember.
Consumer complaint received 2018-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Date : XX/XX/2018 Amount : {$1000.00} Contacted my bank USAA Savings bank to stop wire transfer 10-15minutes after transaction and also visited XXXX XXXX XXXX branch to also stop payment, no one could help me, BOTH only advise me to contact person who the wire transfer was sent to which was my Old landlord in XXXX which we didn't end terms amicable and now i live in XXXX. I did however send landlord e-mail requesting money back. Final Word on the both banks mentioned here was that money was already posted and couldn't get it back. Below is what happen : I wanted to transfer money from MY checking account to My savings account within same bank BUT Money got transfer UNINTENTIONALLY from my savings account to another bank Institution which we had business with in the past " old landlord bank account ''
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I tried to obtain credit from XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Experian on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc. (WA)

submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (TN)

I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.
Consumer complaint received 2016-10-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

I work for XXXX hospital and was XXXX at work so they sent me to XXXX for XXXX. I have XXXX medical insurance and this was supposed to go through workers Comp. I have submitted the paper work several times to Dept collector and human resources. They refuse to correct this issue and have ruined my credit score. They harass me by phone and mail daily and have threatened me with a judgement. I do not owe {$1500.00} for this medical treatment.
Consumer complaint received 2015-06-17
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I was manipulated into sending {$580.00} to a company that promised me a loan in the amount of {$5000.00}. They are refusing to deposit the loan and/or refund the {$580.00} I sent them to obtain the loan. I was scammed out of almost {$600.00}.
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I recently obtained copies of my credit reports and I noticed The company Portfolio Recovery. I have no idea who they are and I do not in any way owe them anything. Upon investigating this issue I found that Portfolio Recovery is not licensed to collect a debt in the state of Georgia. Therefore they are operating illegally by attempting to collect this inaccurate debt from me by reporting it on my credit files in an adverse capacity.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

My servicer, Mr. Cooper, rejected my XX/XX/XXXX payment that was sent via ACH on XXXX, XXXX, 2021. I phoned my bank, XXXX XXXX, to inquire about why payment was not received and they let me know issue was on the Mr. Cooper end. I followed up with Mr. Cooper and they blamed 3rd party snafu that rejected certain banks ' ACH and e-payments. When asked how this would be resolved, Mr. Cooper did not have an answer. 

I was forced to pay over the phone to ensure that my payment would be posted on time. Mr. Cooper was unable to explain what happened or how my payment would be taken care of. This is extremely disturbing that such a large company could have such a large error with such potential negative customer impact.