davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called Transunion on XX/XX/XXXXin regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from Transunion dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
Consumer complaint received 2019-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

hello my name is XXXX XXXX I am a XXXX year old male with very limited funds. i thought about pursuing a career in XXXX at XXXX College online school. i only enrolled but i never started the courses or used any materials and their system will show that i have never used their services. the class once finished was supposed to be priced at a cost of {$870.00} for full tuition yet Instead of cancelling my account after noticing i havent started the class or used any materials they send the full tuition debt to collections for {$870.00} which i feel is unfair and unethical practice and I paid an initial cost to enroll but never used anything so why would they pursue payment for a service that wasnt used at all .their system shows proof that i never used it. i am now being contacted multiple times daily by a company called Ability Recovery Services LLC. I could understand if i even started and read the first page of the course but the fact that i only enrolled but never used anything yet they expect full tuition is outrageous. I think any company that is selling a service such as pace by pace course online should never charge a consumer for materials or courses never used at all. i only enrolled.
Consumer complaint received 2022-01-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (CA)

I AM HAVING ON-GOING FINANCIAL MISMANAGEMENT OF MORTGAGE PAYMENT PROBLEMS. FIRST WITH OCWEN LOAN SERVICING, LLC THEN WITH PHH MORTGAGE SERVICES WHICH MERGED WITH OCWEN LOAN SERVICES @ XXXX, XXXXBOTH COMPANIES ARE GUILTY OF TAKING ANY ADDITIONAL FINANCIAL PAYMENTS THAT I MADE EACH MONTH OF MONIES THAT WERE MORE THAN THE REQUIRED MONTHLY PAYMENT WHICH I HAVE CONSTANTLY INDICATED TO BE PAID ON THE DEFERRED PRINCIPAL BALANCE OF {$73000.00} ( A BALLOON PAYMENT ) THAT I BEGAN PAYING ON IN XXXX SO THAT I WOULDN'T HAVE TO PAY A LUMP SUM OF {$73000.00} ONCE THE REGULAR PRINCIPAL MORTGAGE WAS PAID. INSTEAD, FIRST, THIS CONSTANTLY TOOK PLACE WITH OCWEN LOAN SERVICING, LLC. THEN, WITH THE MERGER OF OR A PURCHASE DEAL BETWEEN OCWEN AND PHH MORTGAGE SERVICES IN XXXX OF XXXX THE FRAUDULENT PRACTICE OF FINANCIAL EXTORTION HAS CONTINUED OF IGNORING MY STATING IN WRITING WHERE I WANT EXTRA FINANCIAL PAYMENTS TO GO WHICH WAS ON THE DEFERRED PRINCIPLE, AND BOTH OCWEN AND PHH PUTING THE EXTRA MONIES WHERE THEY CHOSE TO OR WANTED TO AS EXTRA MONTHLY PRINCIPAL PAYMENTS AND EVEN AS AN ADDITIONAL ESCROW PAYMENT. I HAVE CONSTANTLY BEEN GIVE " LIP SERVICE '' APOLOGIES AND FALSE PROMISES, EACH AND EVERY TIME THAT I HAVE CONTACTED THEIR CUSTOMER SERVICE DEPT. AND/OR ESCULATION MANAGER DEPT ONLY TO HAVE THE FRAUDULENT EXTORTION AND PRACTICE TO CONTINUE TO THIS DAY. PHH CONTINUES TO MAIL ME MONTHLY STATEMENTS WITH INCORRECT FINANCIAL INFORMATION AND FINANCIAL ACTIVITY. I HAVE EXTENSIVE, DETAILED HARD COPY WRITTEN AND PRINTED INFORMATION THAT SHOWS THE ON-GOING PRACTICE OF FINANCIAL EXTORTION BY OCWEN FROM XXXX THRU XXXX BEFORE THE MERGER WITH PHH MORTGAGE SERVICES AS WELL AS HARD COPY RECORDS FROM XXXX, XXXX TO THE PRESENT BY PHH.BY THEIR CASHING DEPARTMENTS IGNORING MY WRITTEN AND PRINTED INSTRUCTIONS OF WHAT WAS TO BE PAID WITH MY EXTRA MONIES ON-LINE AS WELL AS IN WRITING ON THE MAILED MONTHLY PAYMENT COUPONS AND IN WRITING ON MY CHECKS.THAT ARE ATTACHED TO THE MONTHLY PAYMENT COUPONS..
Consumer complaint received 2018-06-28
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: Clark County Collection Service (NV)

My husband and I are in the market to purchase a new home. I watch my credit very closely. On XX/XX/2018 I noticed that I had a new item on my credit. It was for the XXXX XXXX XXXX in the amount of {$330.00}. Per the credit report it states it was opened XX/XX/2018. I reached out to the collection company, XXXX XXXX XXXX XXXX on that same day by mail. In the letter I let them know that I dispute this debt in it's entirety. I requested they provide proof that this debt was mine. I asked them to only contact me by mail moving forward. I made it very clear that I DO NOT have a loan from XXXX XXXX XXXX. There is no question about it. 

I never received a response from them. Instead, on XX/XX/2018 I received a phone call from them in an effort to collect the debt. I told them that this debt is not mine. They told me to report identity theft. 

Not only are they after me for a debt that is not mine, they are damaging my credit in ways that are unthinkable. It will take me a very long time to improve my scores after this is resolved. In turn, pushing back the purchase of a new home. 

I will not file identity theft for something that is their mistake. It is absolutely horrible that they expect for me to make this go away by doing that. Clearly the debt is not mine or they would be able to show me that it is. 

I sent another letter to the collection company today asking for the same thing. 

I have filed a dispute with the credit bureau that it was reported to.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I never received a statement for this XXXX XXXX XXXX credit card after applying for the account. It has been nearly three months ( since XX/XX/18 ). I have called at least 4 times asking to be sent this statement and still I have not received it. It took two months just to receive the credit card in the first place -- and I had to call twice to get that. So I didn't even know my own account number for two months, to whom or where to send payment, and had absolutely no way of monitoring the activity on my account or using the card.

In addition, as a result of this delay I was unable to register online for the special promotion for a {$400.00} prepaid card because I was told to do it when I got the card. You can not register online without having your full account number. They would not provide me with the account number. I had to wait until I received the card or the statement bearing the account number. Later - too late to meet the promotional deadline - I was told I didn't have to wait for the card and I could mail in the rebate with just the receipt and last 4 digits of the account. I was denied the rebate.
Consumer complaint received 2022-09-13
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. (NJ)

I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My card info was stolen and I immediately blocked the card and asked the replacement. Now XXXX has given the info to charge the recurring payments for XXXX without my permission. I canceled the service already.
Consumer complaint received 2018-06-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA prequalified me on income they knew that they couldn't use to close the loan. I recently transferred from XXXX XXXX military to the XXXX XXXX and took a civilian job with XXXX XXXX. I applied with USAA for a mortgage using my current and future income along with rental property that had just rented in XX/XX/2018. I was initially approved for XXXX and then after another review XXXX. My rental income was used as a basis for the decision even though I advised the loan processor that it wasn't reflected on my tax returns due to just being rented. I was told that this wasn't a problem. During the first review the loan was declined, with USAA citing that the VA doesn't allow rental income not contained on tax returns. I was lied to during the application process and now I have spent considerable time and money to secure a property that I can't close. USAA was dishonest from the beginning and led me to believe something that wasn't true. I then attempted to add my XXXX XXXX income, which they also denied because I don't have 12 months of pay.
Consumer complaint received 2022-09-13
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. (NJ)

I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (NV)

I'VE CONTACTED THESE COMPANIES IN REGARDS TO RANDOM ACCOUNTS THAT APPEAR ON MY REPORT. I'VE CONTACTED THEM AND HAVEN'T HEARD ANYBODY BACK IN WELL OVER 30 DAYS.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I visited the Florida XXXX on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. 

Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. 

They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. 

I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. 

They changed their name from HRRG ( Healthcare Revenue Recovery Group ) to ARS ( Account Resolution Services ) around XXXX. They are still continuing to call and harass me every single day. 

A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. 

This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. 

Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Within the past 30 days, about every 3 days I have been receiving phone calls from a company ( Caller ID name is Convergent ) ( XXXX ) XXXX and they have told me that I have an unpaid XXXX Bill. No person that lives in my household uses XXXX as a phone service and I have tried to resolve the issue by speaking with a woman who has confirmed that they have the wrong person but regardless they continue calling me. They have called me on the following dates : XX/XX/2018-XX/XX/2018-XX/XX/2018-XX/XX/2018 and the last that I am able to recall is XX/XX/2018. The woman I spoke to assured me that they were going to take my phone number off of the call list but have not done so and I have continued receiving phone calls from them.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

With zero notice, Fifth Third bank dropped me from their autopay service clearly with the intent to stealthily make me miss a payment. Attached is evidence of the past couple months of autopay and the company 's sudden decision to not autodraft the money and instead fraudulently charge me a late fee. This is blatant theft.
Consumer complaint received 2024-02-22
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. (SC)

Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> XXXX Transunion XXXX Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history.

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice
Consumer complaint received 2020-08-21
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. (NY)

XXXX XXXX XXXX XXXX has incorrectly reported our loan as late in XX/XX/ 2019. As soon as I noticed it, I contacted them, as well as Experian to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (GA)

Payoff sent to creditor and received XX/XX/XXXX which is verified by USPS  tracking and employee response. Response states it was received on said date but at XXXX. Payment would need to be received on said date to avoid late fee. Fee was waived on XX/XX/XXXX after confirming payment was signed for on XXXX. 

Latest representative response is refusing to refund one days worth of interest occurred on XX/XX/XXXX. 

This amount is approximately {$7.00} based on loan amount of {$46000.00} for 84 months at 5.84 %. 

Resolution is to refund said amount of interest.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I have a XXXX XXXX with Synchrony Bank and purchased several items on EASY PAY. XXXX states that no interest will be charged on the easy pay plan and interest is indeed being charged. I called the company and they reversed only 1 month of fees stating that they will do nothing further. I maintained that the TV hosts during the presentations always state that no interest will be charged on EASY PAY payments. I was told after the fact that this is only the case when the bill is paid in full. 
This is deliberate misrepresentation and I am being charged nearly {$30.00} interest on the EASY PAY total.
Consumer complaint received 2018-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2018 I received a letter from Cabela 's Club Visa that due to a credit report that THEY pulled from XXXX ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because XXXX reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of Cabela 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a disabled veteran and am on a fixed income and because of credit card companies practices to do this to disabled veterans and keep us from building our credit worthiness, this is discrimination! Cabela 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!
Consumer complaint received 2020-07-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (KY)

I had submitted a public service forgiveness loan form for service starting XX/XX/XXXX and submitted this in XX/XX/XXXX. On my form it clearly stated " STILL EMPLOYED ''. Fedloan sent me a letter approving my PSLF and stated that the qualifying employment start date was XX/XX/XXXX and end date XX/XX/XXXX. I called Fedloan and they transferred me from their regular line to the PSLF line. The woman on the phone ( EMPLOYEE # XXXX ) stated that the " end date '' is indeed valid because when you submit the form that is the end date of your qualifying period. I told her that I was still employed and that did not make sense. I also asked her why the date of qualifying employment was XX/XX/XXXX and she fumbled to make sense of that and stated " I would just ignore that date ''. I refused to " ignore '' this since it is not the first time Fedloan has made SERIOUS errors on documents required for student loan repayment. I was then transferred to a supervisor after requesting this, and it was indeed an error on their part - and I quote - " simple oversight ''. This is far from a simple oversight. These " simple errors '' are SERIOUS ERRORS that impact hard working American 's financial futures. No excuses, and all of this occurring DURING A PANDEMIC.
Consumer complaint received 2020-08-20
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX