davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Tower Loan of Mississippi, Inc. (OK)

I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I have been trying to obtain my United States credit report under the FACT act and have been having difficulties dealing with Equifax due to the fact that I am XXXX. 
I currently have XXXX XXXX credit cards under my name. 

1 ) I tried to obtain a free credit report at XXXX and it was unable to generate. 
2 ) I ordered an Equifax credit report on their webpage, at the end they asked to confirm my identity and provided a phone number XXXX. Equifax XXXX # XXXX. Equifax then cancelled the order. 
3 ) I phoned that number and they said I needed to speak with XXXX at XXXX XXXX ) When I phoned that number I spoke to XXXX on Team Red .... I explained the situation asked for her supervisor. She put me on hold, kept checking back, and after 15 minutes disconnected the call without any explanation. 

The main issue with Equifax is the fact that there system uses social security numbers however I have a social insurance number. However under legislation they have a duty to provide accurate credit reporting information. As I have XXXX XXXX credit cards when they say I have none this is inaccurate. Furthermore, they do not seem to care to remedy the problem when I have indicated the issue to them. 

Can you please help me fix this issue? 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (FL)

I had a XXXX Rewards Credit Card issued by XXXX XXXX. I used the card for business travel between XXXX, XXXX and XXXX for XX/XX/XXXX. This card had no annual fee that I was aware of. I XXXX XX/XX/XXXX, and had no more use for the card. I did n't cancel the card right away because I had unused Rewards points on the card. XX/XX/XXXX, XXXX sent out a notice that they were changing credit card companies, from XXXX XXXX to Barclays. I took little note of it because I was not using the card and had no balance on the XXXX XXXX card. I received a new Barclay credit card in the mail but did not activate it. Around XX/XX/XXXX I received a XXXX balance statement from jetBlueCard. It showed interest rates charged, but I found no note of an annual fee. Around XX/XX/XXXX, I received a bill from XXXX for a {$40.00} annual fee. I wrote a certified letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, advising that I have not activated the card and did not see any notice that the card carried an annual fee. I asked the company to rescind the fee, cancel the account and remove it from my credit report. I never got a response from the company. They continue to send me a bill for the annual fee of {$40.00}, and have now added interest and a late charge of {$27.00}. I did n't ask for this card ; It never activated this card ; hence, I never agreed to use it. XXXX XXXX has no right to simply send me a card, activate it, and begin billing me for possession of the card.
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I had a car loan for Prestige Financial. I offered to pay them XXXX to settle the balance on my car loan. They would n't agree to take it. So they picked up the car and sold it at the auction for {$4000.00}. They are now saying that I owe them more than what they are owed. They are asking to me to pay {$9500.00}. My balance should not longer be that high.
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX XXXX XXXX , XXXX. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XX/XX/2013, I sent XXXX XXXX XXXX , XXXX. a certified letter that included, among other things, very specific directions about how to contact me as I have a PO Box ( I live in a rural area ). The tracking number for the certified letter is XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I scheduled a bill pay payment with my bank ( Wells Fargo ) to the XXXX of XXXX for a water bill to be paid on XX/XX/XXXX ( payment was due on XX/XX/XXXX ). I received an email from the XXXX of XXXX on XX/XX/XXXX stating the payment was not received and a {$10.00} late fee was assessed to my account. I contacted the XXXX of XXXX and promptly made payment for both XXXX and XXXX. I contacted Wells Fargo on XX/XX/XXXX who claimed the payment was sent on XX/XX/XXXX. They placed a stop payment on the check and also offered to submit a claim for the late fee which was denied on XX/XX/XXXX. I was not as concerned about being refunded the late fee as much as my concern for my payments being received on time. On XX/XX/XXXX I received an email from Wells Fargo stating " The following payment was returned to Wells Fargo. '' One of the reasons stated for the return was possibly due to a credit on my account. Knowing I made the payment on XX/XX/XXXX and have a credit balance, I contacted the XXXX  XXXX  XXXX to ask if I had a credit balance, would they return the payment. They said no, that they would apply it to my account as a credit. XXXX at The XXXX of XXXX advised me that they just today, XX/XX/XXXX, received an envelope with many payments from Wells Fargo containing checks dated XXXX, XXXX and XX/XX/XXXX. AND that MY PAYMENT was among those checks. This means that my payment among others were not mailed out until XX/XX/XXXX or after. That means my payment was not even sent out by Wells Fargo until after the due date.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (AZ)

I have never had a contract with XXXX as a cell phone carrier. I have disputed the debt several time with the CRA and have had the debt removed from my report. Yet, XXXX will contract a different debt collection agency and they will reapply the debt to my credit report after I have won the dispute. It 's an endless cay and mouse game. I have asked for proof of the debt from XXXX and I have never received a response showing proof that I owe them anything.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (TX)

I originally took out a private Sallie Mae school loan with a cosigner who agreed to pay half. This loan was used to pay for tuition and living expenses for XXXX semesters in my XXXX year. The following semester of what would have been my XXXX year, I attempted to take out another loan for my final XXXX school semesters. I was unable to do so, even with a cosigner, and was therefore unable to finish college. Since then I struggled with finding stable employment for 2 years, and by now the loan has defaulted. The cosigner has indicated no desire to make any payments and has become difficult to come into contact with.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (FL)

on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for XXXX, First Progress Bank. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted XXXX today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor XXXX shows an open account with XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to XXXX with XXXX XXXX now with XXXX XXXX it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all XXXX I can view all XXXX through an app on my phone. I will attach what I can through your website.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (GA)

I defaulted on a credit card with XXXX XXXX XXXX and it was sent to collections. Midland Funding picked up the account and it was sent to XXXX XXXX XXXX XXXX XXXX ( which is now XXXX ). I received a letter in the mail that they were filing suit. When I called they offered me a settlement option for the debt, which I did not take at the time. Then they told me they would postpone the suit if I set up a payment plan, which I agreed to do. On my second to last payment ( XXXX/XXXX/2016 ), I was given a settlement option which I took. At no point throughout the entire process was I informed what the impact a settlement would have on my credit rating and that it would be seen in an even more negative light. Upon learning this, I contacted MCM ( Midland Funding ) ( XXXX/XXXX/2016 ) to rectify this, but they informed me that I would have to speak to XXXX XXXX. When I spoke with XXXX XXXX on XXXX/XXXX/2016, they informed me that they would not be able to take payment as the account was closed. They also informed me that the remaining balance was only court costs and not the actual debt that was owed the original creditor. I then contacted MCM on XXXX/XXXX/2016 to seek resolution, i.e. pay the remaining balance, which they stated they would not be able to take as the account had a {$0.00} balance. I then asked them to correct what was going to be reported to the credit bureaus which they said they would not do. They told me the report would say " paid in full with a memo saying paid for less than the full balance ''.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS THAT I HAVE LISTED WERE NOT AUTHORIZED BY ME. THESE ACCOUNS WERE ALL OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS NEED TO BE REMOVE IMMEDIATELY. I HAVE PROVIDED DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT THAT I HAVE FILED TO SUPPORT MY CASE. 
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
Consumer complaint received 2024-10-14
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX on my credit report # XXXX XXXX XXXX Experian has Inquiries that i did not apply for under REASONS ; Experian states UNSPECIFIED in which what or was applied for type or reson on the hard Inquiries. 

XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

Under the laws of the Fair Debt Collection Practices Act ( FDCPA ), I have requested for Collection Consultants to validate the alleged debts being reported on my credit report with XXXX, and XXXX I sent them a written request dated XXXX XXXX, 2016 via certified mail, which the online return receipt shows it was received and signed for on XXXX XXXX, 2016. Collection Consultants has not only failed to reply to my request for validation within 30 days of them receiving this request, but have violated federal law and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

I made a second written request dated XXXX XXXX, 2016 via certified mail, which both online and hard copy return receipts show Collection Consultants received my letter on XXXX XXXX, 2016. I reminded them that their failure to reply to my original request for validation of the alleged debts being reported, nor providing viable evidence, is a clear violation of the FDCPA. As such, I requested for them to validate the alleged debts by providing viable evidence or have the alleged derogatory accounts deleted from my credit reports immediately. As of XXXX XXXX, 2016, Collection Consultants has failed to reply for my request for validation of the alleged debts they are reporting but also not provided any viable evidence to support their claim. 

Please note that Collection Consultants was originally reporting to the credit bureaus the following accounts as being derogatory prior to my request for validation.Since then, Collection Consultants has continually disregarded federal law but has taken the initiative to report XXXX more derogatory accounts to the credit bureaus without advising me in writing as law dictates. I am enclosing copies of my written requests, online confirmation return receipts, and credits reports to support my claims.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

I use a payment service to pay my bills ... Always have with pretty much no issues that could n't be resolved. 
I scheduled my ( XXXX ) payment for my Walmart card as I always do but apparently the payment was sent to Walmart a day late. I did n't realize that I was assessed ANOTHER late fee until I got ready to pay my new bill ( XXXX ) that came out. I went ahead and paid my bill ON TIME minus the late fee while disputing the fee with Walmart. After some back and forth they finally reversed the fee but at the same time assessed me ANOTHER late fee because I did n't pay they previous full amount. I explained to them that I was not obligated to pay an amount that was in dispute and they followed up with they ca n't fix it and that I have to pay the full amount. 
I find that not to be true and it to be unfair because of one discrepancy. Now I 'm getting collection calls for basically another late fee that I am refusing to pay. I have asked them to fix this situation to no avail.
Consumer complaint received 2016-10-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (OH)

Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you