davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.
Consumer complaint received 2016-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have XXXX loans with Navient right now. One is categorized as a direct unsubsidized loan, and the other is categorized as a direct subsidized loan. Navient is claiming that those loans are XXXX the same and have altered payment history to favor interest payments even when I specify principal reduction payments. They have gone so far as to reverse payments and increase my loan balance only to re-allocate payments again to increase interest payments and inflate my outstanding principal. They keep claiming that it is not them that is taking this action but the department of education which is a false statement. I created a login with Federal student aid to verify if Navient 's claim is true and it is not. It is recorded as XXXX loans. Even the automated letters from Navient claim I have multiple loans and I did recieve correspondence indicating that they were changing my loan due dates to match up for my " convenience ''.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

53 bank applied overdraft protection to my account after I scientifically said I didn't want it now my account is overdrawn and I'm being billed overdraft fees daily in the amount of {$35.00}
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DC)

PNC Bank has been charging overdraft fees illegally without any trigger from any transaction, causing my account to get overdrawn. Per the attachment, you will see in yellow the overdraft fees that have been charged which causes my account to be overdrawn but there are no transactions preceding the fees showing that such transactions should trigger overdraft fees. The ones circled in red are the transactions prior to the issuance of the overdraft fees and show positive balances on the account prior to issuing overdraft fees.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Elite Financial Services, Inc. ()

They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. ''
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC ()

My XXXX XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. BMW FS was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of BMW mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by BMW XXXX staff.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else.
Consumer complaint received 2015-03-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (PA)

After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

hello my name is XXXX XXXX. i have recently came across an issue with my credit report. two years ago i was receiving help from XXXX of XXXX county and they provided assistance with repair my credit due to many errors on my credit report. all XXXX bureaus ; equifax, XXXX, and XXXX had false information. well i made a dispute with all XXXX bureaus and the only bureau that corrected my information was XXXX. i would like XXXX and equifax to acknowledge my dispute and fix my report as to my attachment i have attached.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX contacted XXXX XXXX XXXX and ask them about various items that they had not received payment for. XXXX XXXX XXXX reported to XXXX falsely that I did not pay items. XXXX has now as of XX/XX/XXXX submitted various items listed on attachment to collections. XXXX XXXXXXXX XXXX continues to ignore my ongoing dispute of my balance back since XX/XX/XXXX and will not make any steps to contact me to address this issue. I have made numerous attempts through consumerfinance.gov address this issue and it is not getting resolved. Now that the account has gone to collections no one should be calling me or sending me Bills. 
XXXX XXXXXXXX XXXX as of today DO NOT CALL MY NUMBER/WORK/FAMILY : DO NOT MAIL Me ANY BILLINGS STATEMINGS. 
XXXX XXXXXXXX XXXX has chose to take my payoff payments and not apply them to my items purchased. 
I am still waiting for my account to be credited appropriately or refunded for the abuse in the handling of my account to date. 
The bank and XXXX have sent my bill to collections. There should be no more HARRASSIVE contacts directly to me, by phone or mail, from bank or XXXX at this point. 

Please contact XXXX if you need an update on the collection status. STOP SENDING BILLING STATEMENTS, for same billing you sent to collection. I am still waiting to have acct balance and acct mis handling addressed and corrected ... ... ..
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX  ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, XXXX, I went to Experian online to obtain three reports from all three reporting bureaus for {$39.00} as advertised. I did not want to obtain a free report from Experian or receive other Information from any of their companies. A few years ago I had an account with Experian and did not try to log in because I had not renewed my account. So, I preceded to include information personal to me, and went through credit card information for the purchase and was told an error occurred and was told to call in. I decided I would try it today, XXXX XXXX, XXXX. I decided to try purchasing the three reports for {$39.00} again, however, I decided to get the free report first and opened a basic account without any costs. I received a welcome back online greeting and obtained a 12 page report with no score or information. Next, I decided to try again to purchase the three reports, and again after putting past, present name and address birthdate and credit card information was given an error message and it cancelled purchase. I the telephoned customer care XXXX and waited one hour and was told I could not purchase the three reports by telephone and that they could only be purchased online. I believe the offer to purchase 3 reports is a bait and switch, because I was offered a monthly deal for {$4.00} and other services.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I've been disputing inaccuracies for a little over a yeah with XXXX. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

I had an existing account with HSBC and got the following promotion, which was completed monthly for 6+ months. Only 1x {$15.00} credit shows in the account each month. I have contacted HSBC 2 times via the customer messaging system and have not heard back any response. 


Starting XX/XX/2021 you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/2021. 
How it works. 
Earn {$15.00} per month when you Make 10 new purchases per month using your eligible HSBC Mastercard card ( s ) and/or Earn another {$15.00} per month when you Pay 3 bills per month using HSBC 's Bill Pay Keep up the good work and earn up to {$180.00} over six months The Card Offer and/or Bill Pay Offer will be automatically credited to your HSBC Premier checking accou
nt approximately eight weeks after meeting that month 's qualifying activity.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Seattle Service Bureau, Inc (FL)

Contacted my work asking for me by name and identified himself as a dept collector from XXXX XXXX XXXX XXXX in Collections to my fellow workers. His name is XXXX XXXX at XXXX This is a violation of the law. The call was made on XX/XX/2019
Consumer complaint received 2019-02-27
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: ERC (NY)

I'm a victim of fraud/identit theft and checked my credit report a few days ago and saw that there was an account in collections that I never signed for or ever had knowledge of. 

ACCOUNT ( S ) -XXXX  XXXX XXXX -AMOUNT {$300.00} -DATE OPENED XX/XX/2018
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (CA)

In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JDJ Investments, INC. (LA)

An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX/XXXX  / XXXX / {$4800.00} XXXX XXXX  / XXXX / {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX  / XXXX {$2800.00} XXXX XXXX XXXX / XXXX / {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas.
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

XXXX has not applied all payments to my debt, I sent information and copies of my bank statement showing payments had not been credited to my account so I stopped paying and they turned it over to a collection agency. I have sent other info to collection agency twice and have n't heard from them for a few months. They need to apply my payments and stop sending wrong information to collection agency.My credit is not very good and this makes it even harder when they refuse to correct there mistakes..
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

For the second time in a year, we have received a drastically different payment amount and escrow analysis. The burden this creates on short-notice for a family of XXXX is tremendous. We have relied on our mortgage company to do their job ; however, we are for the second time, realizing this is not happening. RoundPoint Mortgage is giving us a $ XXXX payment increase and asking that we come up with a huge addition to our escrow in a short amount of time. This should n't be allowed to happen like this. We can not afford the home we are living in for {$200.00} more a month and XXXX dollars to be paid on short notice. These are DRASTIC changes in our finances and we have been waiting on call backs from XXXX at RoundPoint Mortgage who was supposedly getting to the bottom of this issue for weeks now. Having your home and mortgage in the hands of RoundPoint Mortgage is risky and terrifying for a family. This is the second time in a year we have received a notice of a large increase in payment. We never get clear answers and wait on callbacks that will never come. The only way we received a resolution in the past was going through this Bureau. That should n't be the way business is done. We are busy enough!