davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.
Consumer complaint received 2016-05-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

I have a Certificate of Deposit with PNC Bank. On XXXX XXXX, I sent a notarized letter requesting this account be closed. I have received no communication from the bank, but after calling their helpdesk, I received confirmation that the account had been closed. 

It was claimed that a check was sent to me, though I did not receive it. On XXXX XXXX they claimed that they would resend the check. I did not receive that check either. On XXXX XXXX I called and complained again, and they said they would resend the check overnight. It 's XXXX XXXX and the check still has not arrived.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (VA)

I am an XXXX service member with XXXX. I have a leased BMW that I 'll be turning in under the SCRA. I am 1-year into my XXXX-year lease and put approximately {$4200.00} down as a down payment. BMW will grant me early termination of the lease but they are refusing to give partial reimbursement of my down payment.
Consumer complaint received 2016-02-02
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PNC Bank N.A. (ID)

In XX/XX/XXXX I lost my home to foreclosure. There was a XXXX and XXXX mortgage, both held by PNC ( aka National City Bank ). XXXX mortgages were recorded. 6 months after the foreclosure, I was contacted by PNC as to how I was going to payoff the XXXX mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX 's for XXXX the XXXX and XXXX and filed them with my XX/XX/XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XX/XX/XXXX XXXX XXXX contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as XXXX XXXX, XXXX reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from XXXX a XXXX Mortgage Discharge for this XXXX mortgage that was XXXX in XXXX. I 've heard and read multiple places of this criminal activities by XXXX XXXX which has been closed down by the Feds, and now is XXXX XXXX doing exactly the same criminal things.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I obtained a copy of my credit report after seeing my credit score drop sharply. I found XXXX charges totaling over {$200.00} on a card that I never use and a past-due statement, which I never received. Called the bank and discovered the XXXX charges were both from out-of-state. The thief may have stolen unforwarded mail containing an updated credit card, as the bank did not have my current address on file ( even though I had left a forwarding address ).
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (GA)

Purchased my XXXX XXXX XXXX in XX/XX/XXXX, i made an outstanding balance payment in XXXX ( past due XXXX ) {$1300.00}. My portal shows late fee, monthly payment amount, and total. My current balance is {$920.00} ( {$460.00} car payment + {$450.00} late fees ) ( late fees from XX/XX/XXXX ), my portal does not have an option to pay the late fees separately, only the full balance or car payment. I then speak to a ACA rep ( XXXX ) that informs me that late fees are processed and paid separately and that the balance I previously paid did not cover any of the late fees EVER ( because I did not know you had to call separately to pay over the phone ). I then speak to a rep from XXXX that informs me that I have to call and pay through an actual customer service rep and that they do not process late payments online. The portal does not inform you to call anyone to make late fee payments. The XXXX rep then informs me that the unpaid {$450.00} in late fees would be applied to my XXXX monthly payment, however there will still be a small balance of {$12.00} because my monthly payments are {$460.00}, she then tells me that if the {$12.00} balance is not paid by the due that another late fee of {$23.00} will be added but when the {$12.00} rolls over to XXXX payment the late fee isnt added, my new balance for the month of XXXX will be {$470.00}. I asked for my options on giving the car back because at this point thats {$30000.00} on a {$16000.00} car! Absolutely absurd!!
Consumer complaint received 2021-06-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (IL)

As a Veteran, I seek complete signed closing documentation from Guaranteed Rate Mortgage Company on a Veterans Administration Refinance that closed in XX/XX/XXXX to investigate irregularities in the processing of the mortgage that have appeared post-closing. The closing was a so-called COVID contact less closing in which documents were dropped by courier on my porch without customary ability to review final signed documents. It has been revealed that required basic closing records including signed versions were never provided to me by the title company Ravenswood Title XXXX XXXX IL on behalf of Guaranteed Rate Mortgage Company. I have called and emailed Ravenswood repeatedly for weeks with NO response. 


Guaranteed Rate ( Mr. XXXX XXXX Sales Rep/Broker NMLS ID : XXXX ) has promised since last XX/XX/XXXX to resolve the irregularities revealed. Since have not received any reply nor response from Mr XXXX or anyone at Guaranteed Rate, I have retained an attorney, Mr XXXX XXXX of the law firm of XXXX, XXXX XXXX  XXXX, to obtain information and documentation in order to pursue these irregularities. Unfortunately, all parties : Guaranteed Rate, Ravenswood and XXXX are now ignoring my Attorney. Need to get their attention to obtain the documents required to pursue resolution. 


First issue is irregularities in disbursements. Broker, Mr XXXX NMLS ID : XXXX, stated there would be an approximate $ 10K tax deposit rolled into the mortgage resulting in a cash out '' that never materialized. I never received an accounting from the Broker, Mr. XXXX. 


Second issue is Mr. XXXX disclosed and committed prior to my application that Rate.com does not sell its loans and my loan would not be sold or assigned. Several months after closing I received an email from another company XXXX XXXX or XXXX XXXX XXXX stating there was a new loan number and payments should be sent to their contact address. I never consented to nor saw the new loan documents creating the new loan number. 

Final issue I uncovered while doing taxes when I realized the payment processor ( XXXX XXXX XXXX XXXX  ) has been charging me Mortgage insurance on my federally guaranteed Veterans Administration ( VA ) loan. Mortgage insurance was never disclosed in the closing.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STERLING JEWELERS, INC. (MD)

My engagement ring was purchased by my Husband XX/XX/XXXX. On XX/XX/XXXX it was put in to repair by way of the XXXX XXXX Jared Jewlers in XXXX maryland. I was told that I would get my ring back after the repair by XX/XX/XXXX as of today 's date I still do not have my ring and customer care for XXXX XXXX is unable to tell me where my ring is. After reading articles from XXXX from XX/XX/XXXX of other brides who 's rings after being sent to repair were loss, stolen or original diamonds were swapped I am very concerned that my diamond may be the next casualty in this horrific saga. I need help to find out where my engagement ring is. My ring is very dear to me, it 's sentimental to me my husband gave it to me and nothing the store can do can replace the original ring that my husband purchased for me. I am very devastated by not having my original engagement ring I await your response
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have an account from XXXX XXXX on experian credit report. It had been removed as fraud from XXXX and XXXX. Experian refused to remove it and my family suffered HUGE consequences. I settled with XXXX for XXXX and removal as during the pandemic I don't have 2 years and u can't get a court date so I was forced to pay under duress. Now experian is reporting the settlement as a payment and not a settlement nor have they closed they account. They reported I still owe XXXX on it and that was not the agreement. I shouldn't have had to pay the XXXX. It was only on 1 report for over 2 years. The way they abuse us is XXXX!
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a letter from Bank of America notifying me that they canceled my credit card due to the reasons  of 1. an inactive account and 2. seri ous delinquency, and public record or collection filed.     The fact is that I have had this particular credit card as an emergency backup and had no problems for the past 20 years, also I am currently in the process of removing fraudulent accounts from my credit reports due to identity theft of which I became aware only in  XXXX  this year.     I 'm not happy that the bank did not contact me first before canceling my card, and I have no way of contacting them to present my side of story.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

My loan was sold. The new mortgage servicing company has not contacted me in over 30 days. I have no information other than a letter from my previous servicing company stating the new company PHH Mortage is required by law to contact me within XXXX. I have received nothing from PHH Mortage in over 30 days. 

I would like to know the penalties and legalities of this issue, and get on record that I have received no communication or information as required by law. 

I would like to also know my recourse if possible.
Consumer complaint received 2023-04-16
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: United PanAm Financial Corp. (FL)

I XXXX XXXX contacted these creditors and the reporting agencies multiple times to remove these accounts from reporting to my consumers report. It's a violation of consumer law and I will start seeking legal action if items and accounts are not removed within 45 days of this report dated XX/XX/XXXX! I also attached previous letters that were sent certified to the reporting agencies and creditors as well. More letters are available as well with dates of the year XXXX showing you multiple times I asked for these reports to be removed. If more letters are needed please be free to contact I XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX * account number XXXX XXXX XXXX *account number XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (TX)

This is about an issue I'm having with certegy payment solutions. They are a company that makes recommendations about whether a consumer 's credit worthy or if it would be risky to allow a check to be cashed. I have been having the same problem for several years now. I am not allowed to cash a check at XXXX because of risk factors. XXXX provides a receipt with a transaction number and other particulars and says to call Certegy to find out why. When i call Certegy, Certegy apologizes and says they have no negative information on me. So why did XXXX deny me cashing a check? They can't answer that. They are evasive and speak in vague terms. They were talking in circles. And the icing on the cake? Today after being on the phone for over an hour, the supervisor pretended she couldn't hear me and hung up on me. So I immediately decided to file this complaint. 

This is my life. My money. Why can't I get a straight answer from them?
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I would like to know the specific breakdown of how my  XXXX  Reflected that I paid between   XXXX - XXXX  pe r year, but not last year as it appears to have been fixed for future years but to this point I have over paid in student loan interest when my interest rates were only  4-8 p ercent.     I asked for this information over a year ago from the company and did not get a response. I spoke with the company after my last complaint and asked for it again and was not provided it.     When my loans were consolidated, the payments were not applied correctly over a year ago and I have made several phone calls to try and have someone submit something to fix it but have not been successful.     The loan monies were supposed to pay off the HIGHER interest loans first and leave the lower interest.     I have several loans and I have never had a loan company treat me this way.  XXXX  is who I consolidated with and they realized that they did not give me a loan percentage decrease and proactively sent me an email that they would fix it. I didnt even recognize the mistake, but it seems that there are several reasonable companies to deal with but navient is still not responding to my previous request.     I am only asking for them to fix THEIR mistake and credit me the back money that they owe me as a result. I am not denying any terms I signed.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Empower Finance, Inc. (CA)

I applied for a loan on XX/XX/XXXX for {$100.00} and received it same day. I attached my XXXX  checking to the account and my loan was due on my next payday which was XXXX, I get paid biweekly. I wake up on XX/XX/XXXX and see they have drafted my account {$110.00}. I was NOT paid on XX/XX/XXXX and now Im short money. I called to get a resolution and they would not let me speak with a supervisor. They escalated my concern and thats all. Oddly enough, after getting the advance, they did not send an email with the repayment terms nor can I view the terms in the app.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Southwest Credit Systems, L.P. (FL)

southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (PA)

I opened my checking account ending in XXXX on XX/XX/2023 at the branch located on XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX. Since then my debit card never arrived, so I requested an update on my mailling address. 
Now I tried to request a new debit card through the call center because through the app and mobile banking webpage doesnt allow me, just allow " debit card activation ''. 
At the call center they just said they cant verify me without asking me anything. 
They have all of my details such a email address phone number and all my personal information. So I dont understand why they didnt ask anything to " verify ''.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (CA)

In accordance with the fair Credit Reporting act XXXX Account number # XXXX account name # XXXX XXXX has violated my right 15 U.S.C section 1681 602 A States I have the right to privacy 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received call from XXXX at XXXX XXXX from XXXX XXXX  representing Ace check cashing. I was advised that the line was being recorded she represented herself as a legal rep administering mediation. Advised that I was being sued for writing a bad check and it was XXXX that I was also facing criminal fraud charges fir an XXXX Violation. I could rectify it by making a payment of 50 %. I questioned the who the creditor was she stated it was Ace check cashing stated this was from XXXX ( Mentioned an old employer and bank ) I advised I had no idea what they were referring to I requested documentation to support these claims. The lady stated that they sent me the information via mail and this was my last attempt to rectify the situation I told them I had never received any such information she said its my word against the creditors. I said well id need the information to forward to my attorney. She then stated that she was going to transfer me to the legal department to file a dispute. Another lady got on the phone said she was from arbitration the documentation I was requesting was not available to me they would be placing me in check systems and I would get a notice to appear I would be served at my residence or current employer conversation ended. This is a clear violation of the FDCPA and This company contacted a family member regarding this requesting employment verification. I do not want them contacting family and my employers current or former I dont owe any debt to them and this is over 10yrs old.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I started a new job in XXXX 2016. I updated my Income Based Repayment Plan on studentloans.gov. I submitted all of the documents that were needed to the fax numbers given on studentloan.gov. Navient contacted me around the end of XXXX stating they did n't get my income information. I called them and told them I sent it to the fax number given and they stated that was an incorrect fax number. I resubmitted my income to the fax number given by the representative. I then received another email around the end of XXXX of XXXX stating my income did not have my pay frequency, so I resubmitted my income again. I received another email today XXXX XXXX XXXX ) stating I do n't send in income way with pay frequency. I called and told them I did. The representative had to look at my income paper again and saw that the frequency was there. But since a payment was due yesterday, I had to make a payment or complete a forbearance. I do not think I should have a late payment, missing payment nor have to complete a forebarance since I was timely with my correspondence to them and in fact initiated the update to my Income Driven Repayment Plan. Due to this negligence my repayment plan is n't being processed until today! I am not at all satisfied with being punished with a late payment due to their negligence on overlooking the income documentation I submitted.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (PA)

I told them I didnt sign up to pay for XXXX I was told it was free and it said it online and it credit it me and now made my bank in the negative and I am not paying something I didnt sign up for. If someone could please fix this.