davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (OR)

I was scammed by a person posing as XXXX XXXX XXXX this person is posing as a XXXX XXXX of the united states XXXX to get their friendship to steal data from him personal information and then use payment movements and withdrawals from payments of purchases with my credit cards
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

This company XXXX  in every way. I setup auto-pay immediately upon being told they were my new servicer. They failed to withdraw the first payment. Then they locked my account online. You can not reset it online. Oh, no. You have to call them. Which takes 48 minutes. The first guy, whom I will just assume was incompetent rather than a liar, told me that I had never set up auto-pay and that there would be a fee for me to pay on the phone. He could not help me unlock the website. He then transferred me to someone else who said that I HAD, in fact, set up auto-pay but it had failed to withdraw the money. She said I could pay on the phone without a fee. I did so. Now, i am getting a message that they don't have my hazard insurance policy -- which i have previously provided as part of the closing process. When I try to add it, guess what? I am locked out again. You can not reset online. You have to call them. This time, their automated system bounced me back and forth without ever getting to anyone and finally hanging up on me. I am just trying to pay my XXXX  monthly payment, and i never want to have to call them again. How, oh, how can they fix my account so that it actually works???
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank - Bjs XXXX I have had this card for years and have used it for purchases and zero interest balance transfers multiple times. I always pay my balance in full. When I have an existing zero interest balance transfer I pay my minimum payment plus any new charges on the statement and receive no interest charges. XX/XX/22 statement included a XXXX $ minimum interest charge. I had to communicate twice and threaten legal action to get a XXXX $ refund. XX/XX/22 statement I paid XXXX when my prior statement balance was XXXX. However they applied the payment to new charges and not to prior statement balance and charged me {$5.00} interest, It appears to me that there has been a software change resulting in them overcharging interest to all of their customers. They are aware of this and have made not effort to remediate it. punitive actions would be appropriate.
Consumer complaint received 2022-02-15
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. (CA)

The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my elderly status as well as my mental capacity and I wish to have the account removed, along with the lates.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.
Consumer complaint received 2015-08-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC (GA)

my son defaulted on a loan with XXXX bank in XX/XX/XXXX. I had co signed for the loan and attempted to pay to stop repo, but they repo after I caught it up. They didnt write off XX/XX/XXXX, but have resold the debt to Dynamic Recovery Solutions who sent a letter telling me they were planning to send me papers of the pending judgement. (? ) I am pretty sure it 's illegal for them to send this to me. I would appreciate any help or advise. I live in Ga and statue is XXXX years. Please investigate for me, this seems like a shady company.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MO)

I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared, nor could she confirm that at the moment I would call in in the next few days that it would be closed. Horrible customer service. They provide no option to close the account via secure message either.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

My mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage services in XXXX of 2015. I continued my monthly payments to Carrington starting XXXX 2015. Carrington states they raised my escrow payment beginning XXXX 2015. I never received any notice of this increase. They started not applying my payments in XXXX 2015 because it was not enough for the payment they had raised. They started charging me late fees and eventually reported late payments to credit bureaus. They did not call or send any correspondance regarding my payments ever. I found out after shopping for new hazard insurance and finding derogatory reports on my credit. They claim their actions are legit because they claim they sent me increase notice.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (WA)

I have had a credit card account with US Bank since ~XXXX. I changed the email address associated with the account and singed up for paperless billing. US Bank continued to send my statement to the old email account. I called numerous times and they would never fixed the problem. The correct email is what I see when I log into the cc website. 

My privacy has been violated as the emails continue to be sent to the wrong address. 

Additionally they have the wrong phone number on file despite numerous attempts to remove that phone number as I went to only a cell number. 

Recently they shut the account as I refused to use the card until the address was corrected. 

Nobody at US bank took the time to believe me that the statements were being sent to the wrong place and that I was not getting the information.
Consumer complaint received 2018-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (FL)

I informed Santander Consumer USA on XX/XX/XXXX, that I am in the process of filing bankruptcy but have continued to receive multiple phone calls. I contacted them again in on XX/XX/XXXX, and told them to please stop calling me as I am currently filing bankruptcy but they have continued to call. Santander Consumer USA has placed at least 79 calls to me 3 times per day using 3 different phone numbers since XX/XX/XXXX. Santander 's harassing and aggressive behaviour are one of the main reasons I've decided to file bankruptcy as they refused to refinance or lower my monthly payments.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies
Consumer complaint received 2015-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (MD)

I pulled my credit report and noticed that Transworld System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report and also I sent a follow up letter for them to validate the debt, they never sent anything and they had the debt removed and then replaced it on my credit report 2 months later without no notice at all.
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: V and H Portfolio (PA)

A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. 

I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. 

I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. 

I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.
Consumer complaint received 2016-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (FL)

This company is attempting to collect on a FRAUDULENT debt! They have been making unauthorized inquiries on my credit reports. First, IF those debts are actually mine, they are outside of the Statute of Limitation for legality of debts. Also, Dynamic Recovery Services would be able to provide actual PROOF of the legitimacy of the debt. They have DENIED this! Secondly, I DO NOT OWE THE DEBT THEY ARE CLAIMING I OWE! I attempted to call them to inform them that I am aware of the numerous complaints for fraudulent activity against their company, and they were to cease and desist immediately. One of their " representatives '' told me that he was ending the conversation because I was being " unprofessional ''. I was not being unprofessional. I was being TRUTHFUL in telling them that they have been caught in an ILLEGAL LIE! They are attempting to do the same thing to my husband, XXXX XXXX, for approximately the same amounts. These " debts '' are supposedly for " medical services that my husband and I have never received. Also, per the Fair Credit Consumer Act, those " debts '' are to include the actual date of service. However, NOTHING that Dynamic Recovery Solutions has provided, shows that information. Therefore, they are trying to illegally collect on a phantom or fraudulent debt.
Consumer complaint received 2019-05-10
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: Experian Information Solutions Inc. (FL)

I contacted XXXX  regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX   Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX. 
XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed.

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great.

Then on XXXX XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED.

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies.

PLEASE ACTUALLY DO SOMETHING
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Back in XXXX XXXX 2016 I had a series of inquiries removed from my report from Transunion . All these inquiries were reinserted back into my credit file. I never received a reinsertion letter from Transunion. I sent Transunion a Certified letter which they received XXXX/XXXX/2016 disputing these inquiries. I never received any response from Transunion. Only thing I got in the mail was a small card which stated they put a fraud alert on my credit file. By law, Transunion is required to notify me within 5 days of any reinsertions to my credit file.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.
Consumer complaint received 2016-12-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: B&F Finance Corp. (TX)

I turned over the loan to a debt mangle to company but company called b & f finance at XXXX in XXXX Tx keeps on calling me XXXX to XXXX times a day for payment and refuses to talk to the debt management team which r ready to negotiate they r harrassing me to the point of explosion I need help to stop the harassment! Thank you.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

I had been contacted recently by XXXX University XXXX at XXXX, that I was being sent to collections over an old parking ticket. For reasons I do not fully understand. I remember contacting the college about this after receiving the letter asking for verification of debt and immediate cease and desist. I also got the name of the collection agency and instructed them no contact. I then received an official looking envelope, color XXXX. The only type of letter that is blue is a summons or a lawsuit paperwork. For a collection agency to mail a letter to an alleged debtor in a blue envelope and an incomplete unverified address may be violations of the Fair Debt Collections Practices Act ( U.S.C. Title 15 ) and various Student Privacy Laws as amended. This document resembles a tax document or income tax refund check. 

In addition, this document looks like a summons because summons documents possess barcodes similar to this. In addition there is a return address of XXXX XXXX XXXX XXXX, XXXX XXXX and a postal permit address in XXXX XXXX, XXXX So this is deceptive. ( Title 15 U.S.C. ) In addition, I had already requested no contact except from XXXX XXXX XXXX or the collection agency. 

I requested several court dates back in the day because I was not a student at the time of the parking ticket. I visited the campus because the college refuses to issue bills. Students must visit the college website, remember their student ID and get their bill. Some type of technical issue prevented this technical ability because I was being billed for health insurance I was never informed that I had, so not only did XXXX XXXX endanger my life because I was a XXXX patient whom had no idea he had insurance. I parked in a XXXX minute free parking zone. There were no markings on the tires to indicate the University police ever checked a start and end time. Nor did I get a day ion court to reduce the fee or charges. Now I believe a law may have been broken by the college and or the collection agency representing the college.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

I recently refinanced my home. Green Tree was my mortgage company, but I refinanced through XXXX. Green Tree owed me excess funds that were in my escrow account with them. Green Tree issued a check in payment, in the amount of {$1000.00}. That check from Green Tree bounced, as the check was written on a closed account. I have contacted Green Tree Customer No-service XXXX times ( XXXX XXXX & XXXX, and XXXX XXXX ) via telephone. On XXXX XXXX, the GT representative said that the process of cancelling the XXXX check and reissuing a replacement check could take up to XXXX days. I find all of this to be outrageous! First, that they would make such a mistake ( if it is a mistake, and not a policy to delay payouts ) and secondly, that they are dragging their feet in terms of rectifying the situation. Green Tree Servicing, and Green Tree financial are well-known for bending/breaking the rules and for terrible customer service ( see the Victims of Green Tree page on XXXX, if you doubt me ), and such abuses need to be stopped! I am retired on XXXX, and am XXXX. The {$1000.00} is a huge amount of money to me, and they do n't seem to give a XXXX. I have been informed that issuing a check when there are no funds behind it is a criminal offense. I believe it is possible that Green Tree may routinely do to others what is being done to me, in that they are able to make money on holding their customers ' money while they delay paying what is owed. For a very large company like Green Tree, those small amounts could add up to a significant amount over time. Meanwhile, I have a new mortgage to pay without having that {$1000.00} to aid in doing so.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I ordered a shaver from a wesite called XXXX, basically the seller is XXXX. XXXX XXXX I used my debit card to make the purchase for {$54.00}. The seller used XXXX to make the delivery, as incompetent as XXXX is, they failed to follow simple directions on just basically to contact me to buzz them inside my building to gain access. Of course they failed to do so. I 've been asking for a refund for over 12 days now just going back and forth with these people. I do n't know what else to do. I do n't normally do this but im asking for help here. The seller which is XXXX of XXXX 's webits is saying we will issue you a refund once the item is returned from XXXX. I never received the item, XXXX has the item, what if it doesnt get returned for months, what if its lost, why am I waiting for this, why am I out almost {$55.00} because someone failed to do their job. This is unreasonable, and I 've been demanding for a refund for over 12 days now through phone calls and emails, please help me!! I do n't know how many people they are doing this too, its sad honestly, I hope no one goes through what I have, I 've lost countless hours on this, its not about the money anymore honestly, its about principle here and doing things right in an ethical manner.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on.