davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (IL)

Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NC)

I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GreenSky, LLC (MI)

GreenSky is a fraudulent corporation. I had 4 XXXX  treatments at {$50.00} a session, and they are trying to charge me over XXXX for services. The company I went to for the laser treatments, XXXX XXXX, left in a voice-mail that they were shocked that was happening. I couldn't even get treatments since I became XXXX and could n't drive, and due to covid, and XXXX not only closed down for awhile, but I was getting treatments on my face, which with a compromised immune system, I would be unable to do, yet GreenSky keeps harassing me via email, phone, and text for payment which threatens my good credit standing. GreenSky are dodging all my emails for an {$850.00} refund. I paid the {$200.00}, I want the other {$850.00} back for treatments I did not get done. They are very dishonest and I do not recommend anyone doing business with them. They have a 2 star review, over 300 complaints, and aclass-action lawsuit against them right now. I wish someone had warned me or I researched them but it's hard to be a trusting person in this world. Don't do business with GreenSky , LLC.
Consumer complaint received 2024-02-15
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DC)

On XX/XX/2023 I made a {$50.00} payment on XXXX using my Citi credit card. XXXX charged a {$1.00} fee which was clearly disclosed when I made the transaction. A few days later I was charged a {$10.00} " Cash Advance Fee '' from Citi for this transaction. Citi claims this is disclosed in their credit card agreement -- which is multiple pages of fine print and impossible to read let alone comprehend. {$10.00} for a {$50.00} payment is excessive and is not clearly disclosed. This appears to be a widespread pattern of practice that could very well be deceptive or abusive under the laws enforced by the CFPB. I ask that you look at Citi 's practice more broadly as XXXX is widely used and I am certainly not the only consumer to be in this situation. I've been using my credit card on XXXX because I did not want XXXX having access to my bank account given the various data/security breaches with private financial information.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The Bank of America communicated to me that it had received a letter from the XXXX XXXX XXXX and that I am subject to withholding on interest and dividend payments. 
I believe this letter is in error for the following reasons : -No communication from the XXXX XXXX XXXX stating that I am subject to interest or dividend withholding -Inquiry into the XXXX XXXX XXXX . I am in good standing and dont owe any taxes, etc. 
-None of my other financial institutions ( XXXX , XXXX , XXXX , etc. ) have communicated that they have received notification from the XXXX that I am subject to withholding interest. 

I attempted to resolve this issue by calling the phone number in the enclosed letter ( XXXX ) on XX/XX/2020 and XX/XX/2020. Both representatives indicated the following : -They both could not find anything on file -The second representative seemed to change his mind and then say that there was something on file but wasnt very specific and suggested I call the XXXX. 

I have sent a letter to BoA on XX/XX/2020 and have yet to receive a response. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (OH)

I am a Victim of Identity Fraud. I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and investigate such occurrence.
Consumer complaint received 2018-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NH)

In XX/XX/2015 I purchased a XXXX XXXX from XXXX XXXX  from XXXX XXXX  with a service contract costing me {$2500.00}. The car was in an accident and was determined by the insurance company to be a total loss. I ended up going back to XXXX to refinance another vehicle. XXXX never reimbursed my service contract. The car was finance for over 6 years and I owned the car for about a year and never really used the service contract. In which XXXX   never offered a rental. I then got another XXXX XXXX from XXXX. The financing now had an interest rate of almost 20 %, but I needed the vehicle. I also got another service plan for {$1800.00}. Unfortunately this car got in an accident and claimed a total loss and again XXXX XXXX kept my service contract money. This car was owned a little more than a year. I find {$4300.00} is a lot of my money to keep. This needed to be reported. I can supply any documentation needed to stop this type of stealing from customers.

Thank you, XXXX XXXX
Consumer complaint received 2018-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I am in deferment pending my next class in XX/XX/2018. I have repeatedly informed XXXX XXXX that I will begin classes and have been assured that I am deferment until then. I also keep getting notifications thats I am behind on my payments. When I call they are complete unhelpful and driven to force payments I do not have to pay.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

Experian is reporting multiple Social Security numbers to my credit file ( XXXX that are not mine ) and addresses ( California addresses ) that does not belong to me. Also, they are reporting XXXX trade-lines for the same collection debt. They are reporting XXXX Disputes ( XXXX Bank ) for {$16.00}, XXXX and XXXX for {$16.00}, XXXX which are the same debt as XXXX Bank sold it to XXXX. This is deceptive and fraudulent practice as it makes it looks like I have XXXX bad debts when someone is looking at my credit file when it is indeed XXXX debt. I wish for XXXX of them to be deleted.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX has a debt listed on my credit files and the credit bureau companies stressed that a proper investigation was completed on their end and left my dispute unanswered because the debt is still listed. I find it amazing that I reached out to the company and XXXX reached out to the company and we did not get any results. IT amazes me that I can not get debt validation as requested and XXXX could not get any results on my behalf ( see attachments ).
Consumer complaint received 2021-01-26
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 — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB (NJ)

I submitted a dispute with State Farm Bank and the CFPB closed the complaint when the company did not resolve the issue nor address the issue at hand. State Farm simply denied looking into my request and stated that there was no issue. If you search under State Farm Bank complaints online you'll find no less than 1000 complaints of similar nature to mine. This has greatly affected my credit and my ability to get good loan terms. The next step will be law suits against State Farm and the involved Credit agencies.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit report shows zero balance for XXXX Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by XXXX that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX in XXXX of 2010. Thank you.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

For the past several years I have been paying my mortgage payments via electronic payments from my XXXX account and never had problems with the mortgage companies receiving the payments. This time though Specialized Loan Servicing company claims they have not received my payment, which was sent on XXXX/XXXX/2016 electronically and should have been received by SLS on XXXX/XXXX/2016. We called them today with my XXXX Bill Pay support and although XXXX provided a support that the payment went out to the right address and account number, SLS states they did not receive the payment. It 's a messy and shady company with questionable accounting practices and arrogant customer service. I 've never in my life been late with any payments and I will not allow this XXXX company to spoil my credit. Please kindly review this matter and help me to deal with them. I just do not have any confidence that they know what they are doing. How the electronic payment can get lost or not received, if for the past year and a half was sent in the same fashion, to the same address and account and I have not had problems.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-05
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. (TN)

I have disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus TransUnion, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (ID)

My complaint is against Specialized Loan Servicing ( SLS ). We were switched over to SLS a few months ago and it has already been a nightmare. We never received any statements from SLS until we were mailed foreclosure papers. My husband called up SLS and at first they were not even sure they had us in their system. What?! He was finally able to figure out the amount owed and we mailed it out thinking it was just a fluke. We, again, have not received any statements so, again, my husband had to call to see what was going on. We were told SLS does not send out statements unless we send them a request in writing. We are pretty sure that we are being overcharged as well but we have no itemized statements for reference. We are not sure what game SLS is playing but we feel this company seems to be setting clients up for foreclosure. SLS is the most unprofessional financial company we have ever dealt with in the 16 years that we have been home owners.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-11
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I received notice from XXXX XXXX of a fraudulent credit application based upon data provided by Experian. I tired to freeze my credit report and they will only freeze my account based upon a cumbersome certified mail process. The will however lock the account for a substantial monthly fee.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: RS Clark and Associates, Inc. (TX)

Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (VA)

There is a charge on my account that I disputed. The charge was for XXXX XXXX courthouse. They advised me how to fill out a warrant in debt but they advised me incorrectly. The judge dismissed the case due to the paperwork not being filled in correctly. I found out later that the clerks office was not supposed to assist people due to problems like this occurring. I requested a refund and they advised me that they were not able to process refunds that they were not capable. I then advised them that I would be filing a dispute on my credit card. I called ollo card and explained all this to them. The opened a case. Several weeks later I receive a letter in the mail requesting more information and the letter was not a pre filled question and answer form. It wanted me to ask the questions to myself l and answer them. It was vague and I called to complain. I spoke with a supervisor his id number is # XXXX. He advised me that it was NOT many that I fill the dispute out that it was just in case the merchant responded. He advised me that the case has been opened and that they did not respond as of date. I thanked him and requested to complain about this letter that I received.several days later I received yet another letter that this case has been dismissed. I called up today to file a complaint about this entire mess the case number for the original charge is XXXX. They now refuse to reopen the case without a letter from me even though it was dismissed incorrectly
Consumer complaint received 2018-03-17
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: Mercedes Benz Financial Services (TN)

Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

I checked my XXXX  XXXX  account and I have a debt collection from XXXX  XXXX. I have not had an account in my name for them in years and as far as I know I do not owe them any money.