davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
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. (GA)

I have obtained a copy of my credit report from Transunion and i have found several inquires on my consumer report that i did not authorize nor did i give permissible purpose or written instruction for this information to be furnished on my consumer report. Transunion is in violation of the FCRA 15 usc 1681b.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I had a forbearance agreement with XXXX mortgage. my loan transferred to penny mac and they said they never received the agreement, XXXX mortgage sent all the forbearance agreement paperwork to penny mac. When I called penny mac they said there was no agreement and i had to pay the total past due or do a short sale. They never honored the agreement or applied the money i paid for the forbearance to the loan. I tried resolving this problem with penny mac before i did a deed and leau and after with no success. Every time there is new information brought to there attention they just change what they were saying. XXXX mortgage proved to them in a cfpb case that I had a good agreement and penny mac stated that i maid no mention of the forbearance agreement in my deed in leau request. I told XXXX XXXX about in on the phone and in my application process. penny mac chose to ignore the agreement in XX/XX/XXXX and in XX/XX/XXXX. My credit report shows i made no payment to them and i owe XXXX and past due XXXX. I could never make a payment because penny mac would n't accept any payment unless i would bring the account current in XX/XX/XXXX which was impossible because i paid XXXX and XXXX in the forbearance agreement to XXXX mortgage. my only option was a short sale which was unacceptable to me because it was there mistake or predatory lending practices. I have sense received a letter from penny mac saying my loan is paid in full and it 's stamped on my deed. yet my report still shows the mortgage as open and I owe money. Penny mac has cause a lot of turmoil for my young children myself and caused a divorce from financial stress due to bad credit. and still does I was also lied to during the deed in leau process by XXXX XXXX. He stated my loan would be reported as paid in full and a deed in leau would n't affect my credit like a foreclosure, and I 'd be able to buy a house much sooner than a foreclosure which were all lies.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (AR)

HALSTED CLAIMS I HAVE AN ALLEGED DEBT.

HALSTED HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS HALSTED HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C HALSTED IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D HALSTED IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J HALSTED EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING XXXX XXXX XXXX & XXXX XXXXXXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION
Consumer complaint received 2016-05-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (OK)

I negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (OH)

After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.
Consumer complaint received 2024-02-07
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. (MI)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (IN)

This is a follow up complaint to a previous complaint ... # XXXX The company responded back with the same response they continued to provide to me WITHOUT ANY FACTUAL DOCUMENTATION ... .IVE ASKED THEM REPEATEDLY FOR A COPY OF MY ORIGINAL APPLICATION, to include the questionnaire that allows me to choose the dates of repayment ... .NOTHING ... By my records..BY THEIR OWN ADMISSION ... THE LOAN WAS FOR 90 DAYS. FIRST PAYMENT DUE ON XX/XX/XXXX ... .WHICH MEANS. FOR A TRUE 90 DAY LOAN ... THE DEPOSIT INTO MY BANK ACCOUNT SHOULD HAVE BEEN DEPOSITED ON XX/XX/XXXX ... ... NOT XX/XX/XXXX ... TO WHICH I CAN CONFIRM THROUGH BANK RECORDS ... I've asked them to provide the ORIGINAL EMAIL ... .DATE STAMP ... FORWARDED FROM THEIR SENT FILE DIRECTED TOWARDS MY EMAIL DATED ON XX/XX/XXXX ... .THATS GON NA BE HARD TO PROVE BECAUSE IM WILLING TO ALLOW U TO GO THROUGHT MY EMAIL ANYTIME U LIKE TO PROVE NO EMAIL WAS NEVER RECEIVED IN MY IN BOX ON XX/XX/XXXX ... .THE FIRST TRUE EMAIL I RECEIVED FROM SPOTLOAN WAS ON XX/XX/XXXX ... ..ALL OTHER COORSPONDENCE REQUIRED ME TO LOGIN THEIR SERVER AND COMMUNICATE WITH THEM THEIR ... .IM SURE THAT WAS DONE SO AS TO REDUCE THE AMOUNT OF A PAPER TRAIL AND IT ALLOWS THEM TO CONTROL THE CONVERSATIONS DATA. IM ON A FIXED INCOME ... SO ONE WOULD HAVE TO WONDER WHY I WOULD BE WILLING TO PAY 30 DAYS OF INTEREST ALTHOUGH I HAD THE LOAN ONLY EIGHT DAYS ... .WHO DOES THAT ...
Consumer complaint received 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (SC)

I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.
Consumer complaint received 2016-09-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Centric Asset Management Inc (MI)

Centric Asset Management has called my personal cell phone from the phone number XXXX XXXX XXXX XXXX XXXX XXXX or five times with a live person on the phone, and once with a robo-call. The live phone calls indicate that they allege I owe a " payday '' loan, which I never applied for nor received. They indicate that they have " authorization '' of some sort from a bank that I already made payments and therefore admit I owe the debt. They have my personal bank account number and other personal information, including the names of my sister and mother. I have asked them multiple times for substantiation of the debt, and they always refuse. The robo-call on XXXX XXXX, 2016 indicated that they were threatening to debit my personal bank account if I did not otherwise make arrangements. 

I did not and do not owe this debt. I do not know how this company has my information, but they will not substantiate the debt. They do not tell me they are debt collectors when they call me. They argue with me about the debt. They have called me multiple times during one day. I believe they are violating the Fair Debt Collection Practices Act if they are an actual company. Otherwise I think they are just a scam company.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (FL)

These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP.
Consumer complaint received 2021-06-05
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: Bread Financial Holdings, Inc. (NY)

I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/EXPRESS Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

On XX/XX/XXXX I filed a complaint about m & t Bank not paying my insurance and my policy being canceled on XX/XX/XXXX. On XX/XX/XXXX m & t Bank responded saying if the ins did not pay they would take responsibility. I have called XXXX twice and she will not return my calls. I stopped making payments and now the loan is in default and they still refuse to take responsibility for the house which burnt down on XX/XX/XXXX. I will not make another payment on this house until they take responsibility for not paying my home owner 's ins on time. My previous claim # is XXXX. This still has not been resolved and I have not been contacted and it has been almost 2 mos. The house was broken into XXXX, after I went and had it secured. I will no longer take responsibility for this. I DID NOTHING WRONG. If this is not addressed within the next 10 days I will reach out to the state attorney General and I will file a complaint against both M & T bank and this consumer finance for not assisting in this matter.
Consumer complaint received 2015-03-31
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (PA)

# 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds
Consumer complaint received 2021-06-05
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: Amsher Collection Services, Inc. (MD)

AM Sher collection agency improperly report my credit report to the credit agency. I have contacted the company four years ago. That was a part of my student loan that is not in a payment program. I was a student at the University XXXX XXXX  XXXX XXXX & took a federal loan. The financial aid office improperly reports to the collection agency & they agreed to remove it. I do not understand why they reported again to the credit bureau in XX/XX/2021. This collection agency is manipulated & falsified my account intentionally.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

Collections agency pulled it out of a hat. Totally bogus. 
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}. 
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports? 
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really? 
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business? 
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO. 
NOT LEGAL AT ALL.
Consumer complaint received 2016-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (MI)

The student loan that I 'm complaining about. Transferred my account without me being informed by phone or letter. Then they put a 30 day late on my account this is from 2009. They closed the account and now it 's been updated on my rcredit report as of this week cause I disputed they in accuracy on my report. I do n't own this account and I do n't owe them anything. They even said on my credit report that I 'm not responsible for this debit. Can you please help me to get this removed. It 's showing on all XXXX credit reports now. Please help. When I called XXXX and XXXX they told me I had to pay them to have them check my report. This is not right. I have work so hard to build my credit and it went down because of tbis issue XXXX points. I 'm so upset about this.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX i sent a certified mail to transunion. Disputing the unverified acounts on my credit report. Transunion sent me a redit report XX/XX/2021. Showing that the account from Tn. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 transunion report. The account closed on my Transunion via XXXX XXXX. XX/XX/XXXX, XXXX.TransUnion removed the late payments from the account. Then on XX/XX/2021. Via XXXX XXXX, TransUnion report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. Transunion refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. Transunion need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NC)

Thought I had changed " auto-pay full amount '' to " pay minimum '' prior to payment date, because I knew there would be insufficient funds in my checking account. Apparently I did not do it correctly, and the auto-pay for the full amount was processed. I was checking all my accounts on XX/XX/XXXX and saw that my balance was, in fact, considerably less than it should have been, and on investigating saw they had processed the full payment. I called immediately and they checked my account and said the auto-pay had NOT been changed, and the account was paid in full. I explained that was not possible because there were insufficient funds, and sure enough I saw my checking account had just penalized me for the transaction. The customer service experience was difficult, but I finally had someone who ( 1 ) made sure the auto pay was changed to minimum, and after speaking with someone else said they would take back the payment less the minimum due for XX/XX/XXXX, and all would be well. I checked on XXXX and the account still showed it had been paid in full, AND there was a fee for the returned payment due to insufficient funds. I called AGAIN, and was now told it was up to me to work it out with my bank, which made no sense. I called my bank and stopped all future auto payments with this card issuer. I wrote a message to them on my account, and got a ridiculous answer telling me that according to their policy they will try to take the full payment 3 times ( which will result in more fees for them ). They seem completely unable or unwilling to understand the problem and I am very angry I will be charged more returned payment fees and am powerless to do anything to fix it.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Check to XXXX to pay balance was dated and sent XXXX XXXX. Payment was due on XXXX. The payment was written from my Title company directly to XXXX so I could not deposit and pay online, I had to send the check to XXXX which I did same day XXXX dot not credit my account until XX/XX/XXXX and they sent information to the credit bureaus reporting me 30 days past due, which I was not
Consumer complaint received 2015-09-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (IL)

I 'm not quite sure how to complain about pay pal for running a hard credit inquiry on my credit report. On XX/XX/XXXX, while the latest XXXX I PHONE 6 S PLUS was unveiled. My cell phone carrier is XXXX XXXX. XXXX XXXX has implemented a new phone purchase plan. A customer since XX/XX/XXXX XXXX XXXX has changed their phone upgrade purchases. Previously, phones such as the XXXX phone that was released on XX/XX/XXXX reduced the price for new phone to roughly {$200.00} However, since XX/XX/XXXX XXXX XXXX has implemented a monthly payment plan that had a customer pay a monthly installment ( 0 % ) to pay for the new phone.On XX/XX/XXXX I ordered the new XXXX Phone ( through XXXX XXXX ) and implemented the monthly payment plan of XXXX XXXX. The order was complete, however when attempting a XXXX XXXX FICO score I noticed my score went ( from XXXX ) from XXXX to XXXX. This occurred due to the fact that my XXXX XXXX order of XX/XX/XXXX a XXXX hard line credit inquiry was also preformed without my knowledge and/or consent. I have attempted to call Pay Pal about this and was not successful in having this company removing this from my credit inquiry. I have noticed through this federal agency federal legal action has been taken against XXXX, however did n't see a process to joining any class action settlements.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.