davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (CO)

Meridian Financial Services Inc. has violated the FCDPA trying to collect old debt which is considered " Time Barred '' debts. The company has placed a lien on my credit report in the amount total of {$16000.00}. 

The debts were dated in XX/XX/2006 which is twelve years old and can not be collected, as it's considered a Time-barred debts.
Consumer complaint received 2023-04-17
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. (FL)

It has come to my attention that, although I have written several letters, asking for validation of debt, audit trails, I am not getting any response because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

15 USC 1681 AE 15 USC 1691 15 USC 1601 15 USC 1692
Consumer complaint received 2018-10-06
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: EQUIFAX, INC. (CA)

Back in XX/XX/XXXX I requested for Equifax to validate and delete 2 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} both closed ) from my credit report. I have sent my last 4th letter to Equifax on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Equifax customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is XXXX & Equifax credit score is XXXX. This item is negatively impacting my Equifax credit score. I have also been permanently XXXX  since XXXX  and I have reported this to the Department of Education, loan lenders and collection companies. Equifax is involved with illegal business practices and is committing fraud on various levels.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2018, I applied online and was approved for an American Express XXXX XXXX. Within 15 minutes of being approved for the card, I realized I had made a mistake. I had a promotional mailer from American Express that had been sent to me offering me XXXX bonus points, as opposed to the standard XXXX bonus points that are normally offered with the card. I immediately called American Express and spoke to a representative who assured me that as soon as my account was provisioned, I would be able to submit a request to retroactively fix the problem. I asked the representative if I needed to close this account and reopen a new account in order to claim the bonus, and I was told that was not necessary. 

I proceeded for the next 2 months to call American Express multiple times to try to get the issue resolved, or escalated, to no avail. They claimed that they had no record of extending this offer to me, even though I have in my possession a physical copy of the mailer with the RSVP code ( XXXX ), for which I've attached a scan. I was promised during my final call with American Express that this issue would be escalated to corporate, but I was never contacted again. The value of the XXXX points I was denied is over {$700.00}, and for a card with a yearly fee that nears {$500.00}, this is unacceptable. 

I could understand the denial had I not called American Express immediately after I was approved, but I called and spoke to a representative within minutes when I realized I hadn't been credited for the full bonus offer I had extended. I was willing to rescind my application and apply again with the proper RSVP code, but was told I didn't need to do that and that it would be possible to have this matter fixed retroactively. Instead, I received the runaround for months while trying to pursue this issue.
Consumer complaint received 2018-10-01
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. (CA)

I have a charge-off on my report that had been showing a late-payment from XX/XX/2016 ( making the 'Time Since Negative ' 2 years and some odd amount of months ). I paid the charge-off in full XX/XX/XXXX of this year. When I checked my credit report for Experian, it now shows a 'Time Since Negative ' of 1 month. I am not sure how that is possible given that prior to paying it in full ( mind you, I had made a previous payment on the account the month before and that didn't change it ), it listed a much longer 'Time Since Negative ' and that was correct. That shouldn't have been changed to 1 month for paying the past-due in full ( it is even reporting as 'Failed to Pay ' for the month of XX/XX/XXXX, even though I paid in full on the XX/XX/XXXX ). So, either Experian is reporting it incorrectly or XXXX XXXX XXXX is.
Consumer complaint received 2018-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MT)

I have been dealing with Naviant for many years. I have jumped through hoops time and time again. The last was the release of my co -signers. I did what they wanted and they still won't take them off. My loan has doubled in interest and I am paying them XXXX dollars a month and only XXXX goes to the loan. I was on a repayment plan and I was never told that it would expire. I was in the hospital getting a transplant at that time so i never thought about it. I am on XXXX and was lead wrong about that as well. It is sad that there are companies like this. I have been deceived by this company for many years. That is why i have more in intrested than the original loan. All i wanted was the release of my co-signers. I can not justify paying a loan that will never get paid off.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (TX)

I began receiving debt collection calls from XXXX-XXXX-XXXX, NCC Business Services. The first call that I can remember was Friday, XX/XX/2018. 

The debt is regarding a past due rent at an apartment complex, however I have never received any documentation from the collection agency. The amount is approximately {$1000.00}. 

The representative on the phone tells me how much I owe, but has not provided by mail any sort of documentation. I have told the representative that the address on file is not correct, but no attempt to fix has been made. 

I am willing to pay the portion of the debt I am responsible for, but not without written promise that it will not be reported to credit bureaus. The collections agency refuses. Im obviously not willing to pay without this written promise, as well as not being able to see the documentation. 


To this date, I have no received any documentation from collection agency regarding the amount or that I have right to dispute. I have not lived in former apartment complex for over a year.
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK (CA)

Loan was paid off on XX/XX/2018 There is an overage of {$210.00} owed to me. 
XXXX XXXX XXXX refuses to release this overage back to me. They state they need time to review the overage and then they would issue a check to me. It has been 3 weeks and they have yet to issue a check.
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

we got move over to SPS XX/XX/XXXX or XX/XX/XXXX because we file and complaint about XXXX to XXXX XXXX, ( Many many times ) XXXX was doing the same thing SPS is doing. We decided last XX/XX/XXXX we wanted to pay our house off within 5-6 years. So we work up a plan and started paying an addition {$1200.00} towards our principal ever month. 

I call the payment in to there office and talk with someone that this payment is to be applied to principal only! They applied the payments to everything but the principal they paid off some late charges with some of the money and I told them leave on the accounted till after where done because XXXX XXXX agree to pay them but they still did not listen, I talk with XXXX XXXX They got them to start putting the money to where I wanted it to go and take the money they put somewhere else back to principal that work for about a month now there back again putting the money everywhere but principal. 

Today I spoke with an SPS staff about where my {$1200.00} went that I payed on XX/XX/XXXX she said some went to interest some went to escrow some to taxes this is a game they play ever month and am ready to walk a way from this house! Because we never reaffirmed after a bankruptcy in XX/XX/2009 we can walk away and not get any ding on our credit report! Right now our congressman is getting involved and our local news ( XXXX ) Has agree to get involved ( Must be election time of the year ) I will email you documents there at my other office where they have move the money back to principal ever time XXXX XXXX has got involved I should not have to do this ever few months. This company is trying to take advantage of people to make them pay more interest when they move the money back it's not post -dated to where it was when I made the payment and more interest is on my accounted, We will NEVER pay off in the 5 years as we would like. I have ask XXXX XXXX to move us to a new bank that will not play this game OVER AND OVER EVER-MONTH! 

Thank you advance for any help you can provide because by XX/XX/XXXX if this is not work out we are walking away from this house. 

XXXX XXXX
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

At the end of lease my vehicle was inspected and I was charged for extra wear and tear. The letter they provided detialed that if the balance is not paid by XX/XX/2018 it will be reported to the credit reporting agencies as charged off balance. 
I checked my credit report a week ago and saw that this balance was already reported to the credit bureaus as late payment. I called Hyundai Finance and was told they could not do anything about it. I condemned their letter and explained to them that you were not supposed to report anything untill the date you mentioned on the letter. The customer service apologised and said they could not change the past even if I piad the balance off before XX/XX/2018. 
I included the letter for you to see it.
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CT)

I had tried to modify back in 2016. I had utilized a company at that time who was assisting with the process XXXX XXXX XXXX XXXX XXXX ). It turned out an offer was made then which the company I was dealing with never made me aware of. The woman I was working with XXXX XXXX had left the company. When I questioned the bank what phone number they contacted regarding the verbal notification about the trial modification. I was informed they contact XXXX This is not my number. 
They did not contact me directly nor did I receive the document to my home. 
I never expected to be in this position. I lost my son and my mom very close in time between them. I work very hard and several jobs and had they offered me the same offer of {$2100.00} I would have been happy to accept this now and previously. 
Because of this unfortunate error with regards to not being informed by the party who handled this for me, they now refuse to offer me anything at all. I am currently in foreclosure and close to a sale date. I am at the end of my Law dates provided by the court. You are my last hope. I just want an opportunity to retain my home and prove my ability to pay.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

Debt collectors denied any following information regarding the collection because I would not tolerate him being disrespectful and hung up the phone and threatened not to respond on the debts that were wrongfully placed on my credit. I have asked several times for the debt to be verified but it has not. This needs to be removed from my credit the company has declined communication with me regarding the issue. Therefore leaving me with a unspoken threat of this being left on my credit due to their non response.
Consumer complaint received 2018-10-02
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. (FL)

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX.. XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. ( XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX.XXXX XXXX XXXX XXXX.XXXX XXXX # XXXXXXXX XXXX # XXXX. )
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I've attempted to contact IQ Data, MULTIPLE times. Each time I get a rude rep who does not want to help me with my issue. The issue is I have the ledger and move out statement from the the collector prior to IQ DATA,  showing that the account is satisfied at a {$0.00} balance.I need IQ DATA to  cease collection and remove themselves from my credit reports. Not to mention, I searched TEXAS database for IQ DATA, they were not in the database, bonded to collect, which is MANDATORY in Texas. I'm about to be homeless if I don't get this account resolved. The collector prior to IQ DATA was XXXX.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi. I have contacted XXXX, Transunion and XXXX several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

I obtained a XXXX XXXX credit card managed by XXXX XXXX to purchase furniture for a new home. XXXX 's was offering a promotional 36 month Equal Payment No Interest program if you signed up for a XXXX credit card. I signed up for the program and purchased XXXX of furniture on XX/XX/XXXX. On XX/XX/XXXX I purchased an additional {$1800.00} of furniture however this promotion was 12 Months Deferred Interest. 
I began making the Total Minimum Payment due beginning on or about XX/XX/XXXX with the additional purchase of {$1800.00} added after XX/XX/XXXX. I paid the Total Minimum Payment which varied from $ XXXX/mo to $ XXXX/mo. 
This month I noticed that {$430.00} of interest had accrued in XX/XX/XXXX. I contacted Synchrony on or about XX/XX/XXXX to inquire about the interest charged. I was advised that my 12 Month Deferred Interest promotion had expired on XX/XX/XXXX. I accepted that at face value until I reviewed my contract documents and realized that I had in fact two promotional programs at the same time ; the 36 month Equal Payment No Interest program and the 12 Months Deferred Interest Program. 
I called XXXX XXXX Customer Service on XX/XX/XXXX and was advised that the interest charged was related to the expiration of the 12 Months Deferred Interest Program. My assumption was that the Total Minimum Payment I had been making was sufficient to payoff each of the balances in sufficient time to avoid any interest charges. In reality in the 12 months I reduced the {$1800.00} balance on the 12 Months Deferred Interest Program by only {$550.00} and I was being charged 29.99 % interest on a {$1200.00} balance. I asked for a Supervisor to discuss what I considered an unfair business practice and was advised that there was as statement on my bill prior to the expiration of the 12 Months Deferred Interest Program. There was a small notice located on the bill that contains significant extraneous information making it difficult for a consumer to separate the wheat fro the chaff. I was further advised that there was nothing they could do to reduce the interest fee. 
I have since paid the balance in full, {$3800.00} on XX/XX/XXXX since I'm concerned that additional unexpected charges would be applied. I am reaching out to the Consumer Finance Protection Bureau because I consider myself a savy consumer and feel duped by the way in which XXXX/Synchrony advertise these programs, manage and disclose on statements and resolve consumer concerns. It feels to me that Synchrony intentionally confuses consumers with the amount of information they include on their statements and the way in which they disclose how the programs operate. There was no way of knowing how much of my Total Minimum Payment was being applied to each program and therefore no way of knowing that I was at risk of having to pay a 29.99 % interest payment on an outstanding balance.
Consumer complaint received 2018-09-16
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: SYNCHRONY FINANCIAL (CA)

I applied online for an XXXX Credit Card on approximately XXXX orXX/XX/2018 
I have never once used the card and called and asked them why i would be getting a charge for the card when I have never once used it. When I called XXXX they said they would do a fraud investigation and send me the results via mail. The charges that were made on the account were under {$100.00} and they refuse to close this credit card. It was recently reported to my credit report which has immensely lowered my credit score. 
I feel like I am being harassed and refuse to pay for charges that i did not incur. Surprisingly XXXX sent me a second card after I specifically requested them not to. This has caused me undue stress and anxiety and if the charges due continue to keep accruing i will have to get an attorney involved on my behalf.
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TN)

Our mortgage was bought out by this company in XX/XX/2018. All of our information had been transferred to them including our automatic withdrawal. So on XX/XX/XXXX, they finally took out a payment. And again 2 weeks later. Towards the end of XXXX I changed our ACH date from the XXXX to the XXXX. I changed that date online and also over the phone. So on XX/XX/XXXX I noticed a payment pending through my bank which was not supposed to be there. I called the mortgage company and asked them why it was pending when the dates had been changed. The man then informed me that I not only had a payment coming out on the XXXX, but the XXXX as well. Obviously I can not make 2 house payments within a few days from each other. Keep in mind that our payments have always been paid on time with no issues. So the man said we would need to stop one of the payments and would have to do so with our bank. So I called the bank and had to pay {$36.00} for a stop draft. Well the payment didn't come out. Good news there. So on the XXXX, we did not have a pending mortgage payment. Confused because I was told it would come out. So I call the mortgage company. The same man I spoke to that told me to stop a draft, ended up answering the line. I asked if there was going to be a payment taken out and what was going on. He then informed me that because I stopped the XX/XX/XXXX draft, that the bank sent them a notice of non sufficient funds ( which I checked with my bank and according to them never happened ). So because of that I was to send my house payment via cashiers check, money order, or XXXX pay for the next 6 months. So on XX/XX/XXXX I went to my bank, withdrew {$1600.00}. I sent this company {$1600.00} and paid the {$10.00} fee to do so through XXXX. My mortgage payment is {$1600.00}. The XXXX employee said that it could take up to 3 days to process this payment. So on Monday the XXXX, I checked my account with the mortgage company. It went through already. BUT, they also took out my payment through automatic withdrawal from my bank. They did so on the XXXX. The day it was supposed to come out, the same day the man said they could no longer do that, the same day he said I would have to pay this months house payment another day. I paid {$3300.00} in 2 days. My bank account is now over {$1000.00} in the negative and I have an electric bill pending, and ( 2 ) {$32.00} non sufficient fund fees. They said they needed proof that the money came out, even though they said they could see it on their end, and proceeded to tell me that it will take 2 weeks to refund one of those payments. I have XXXX kids, a pending electric bill that is now not going to get paid, and other bills as well. And they have absolutely no sympathy, when this was their fault. These are HORRIBLE PEOPLE and this is a HORRIBLE COMPANY. They are not even accredited with the BBB and they even have a D- rating. I can see why. All they have done is XXXX us and I know we are not the only ones. BEWARE OF SELENE FINANCE. DO NOT TRUST THESE PEOPLE WITH YOUR HOME!