davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

Six days ago I, uploaded a song I made on soundcloud and talked about it on my twitter account. At Tuesday morning XXXX XXXX 2015 I received a message via twitter from a person under the username XXXX saying that he heard my song from soundcloud and that he wanted me to preform live on stage. The person continued the convosation by sending me an email stating three differient levels of exposure, A Slot : $ XXXX Full Promo / Massive Promo Includes : XXXXCd 's, XXXXPosters & Flyers, XXXX-T-Shirts ( Male/Female XXXX & Towels to hand out to fans. Also you will receive A Placement on XXXX Mixtape. Radio Interviews XXXX XXXX XXXX XXXX, XXXX Hour Block of Studio Time ( XXXX ), Club & Radio Spins in XXXX, XXXX We also set up XXXX paid shows for artist appearing on showcase. Tickets to attend 2015 BET Awards Red Carpet Event On XXXX XXXX 2016 VIP. Meet & Greet with celebrity guest XXXX. Compensation for miscellaneous things. 
B Slot : {$1500.00} -You will receive everything in slot A except for XXXX XXXX paid shows and XXXX Hour Block of Studio Time. 
C Slot : $ XXXX Artist or Producer will receive : XXXX Cd 's, XXXX Posters & Flyers, XXXXT-Shirts ( Male/Female ). Towels to hand out to fans as well. 
Bonus Slot : Negotiate On Rewards And Placement. For the break down of the slots pricing and credentials will be explained upon request. for an unsigned music artist, such as myself, at differient prices. I wanted to reserve slot A but did not have the full amount requested. He then called me saying that i could pay him XXXX XXXX dollars as a deposit and pay the rest once I reach XXXX. The person told me to send the XXXX XXXX dollars via moneygram by either walmart or a moneygram building and to send it to his assistant XXXX XXXX at XXXX, XXXX Once the assistant received the money, I would be contacted back. Once the money was sent I went to twitter and noticed that the person blocked me. I called the person on his cell phone but was sent to voice mail.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (FL)

My issue is with Syncronybank, issuer of CareCredit. I have set up all my payments account via online. Not realizing I gave my credit card number, which expires instead of giving my checking account number. In XX/XX/2016 my banking card number was changed. As a result no payments were sent, thus rendering my account 'late ' with late fees. In the meantime I was having a hard time getting thru to CARECREDIT.com to make my payments. I found myself going into a loop with referring me to Syncronybank. The time of day I would attempt to get on site to handle my business appeared to be after hours. With long wait periods or speaking with someone where I encountered communications barriers. The Syncrony Bank XXXX. XXXX Representative and Number goes directly to XXXX and not a XXXX call center unless XXXX request XXXX call center. Or long waits and no one on the other end so that I can correct and set up my payments. I attributed this to after hours so I would attempt to come back and handle my business at another time. In the meantime, I have no access to my account on line to make any correction/updates. Once I 've gottan thru to Syncrony Bank their only order of business is to get their payments and will not assist in my obtaining access to my account so that I may set up my payments. In the meantime I also received a new CareCredit number and I was not able to set up my new account. 
I received a statement in the mail, where I 've set up all my accounts to be paperless and receive my current statement and notification when payment is due and received. They were not able to assit me in setting up my new account until payment was made. They will not wave the XXXX or XXXX late fees but did adjust the XXXX late fee of {$37.00}. My balance without the late fees is {$71.00} and I was willing to make the payment in full once they would adjust the XXXX and XXXX. The supervisor refused to dismiss the XXXX & XXXX late fees. The fact that I have not been unable to get into my account and make the update was of no concern and would not take this into consideration.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northwest Collectors Inc. (IL)

My husband incurred a {$160.00} debt for ambulance service on XXXX XXXX, 2015. I called the debt collection agency XXXX Northwest Collectors XXXX to inform them of his untimely death. They responded by saying his debt now becomes my debt since I 'm his surviving wife. I informed the agency that Illinois is not a common law state and my spouse 's debt does not become my debt. I wrote them letters disputing the debt but to no avail. Northwest Collectors has since transferred the debt to my name and reported it the credit reporting agencies and the debt is now on my credit report.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX we bought an under counter ice maker at Lowe 's and paid with my Lowe 's credit card ending in XXXX. When we bought this ice maker we were told by the sales person that this ice maker had a 12 months manufacturers warranty on it and this was confirmed on the Lowe's/XXXX paperwork. On XX/XX/XXXX we called Lowe 's to report that this ice maker was not working. Lowe 's stated that we had to call XXXX as this was a warranty issue. We called XXXX and reported this problem. They sent out a repair person from XXXX refrigeration. A person came to repair the refrigerator 3 days later and left stating that they would order a part and would call us 5-10 days later to schedule a repair time. After 10 days I called XXXX because we had not heard from XXXX. XXXX tried to call XXXX and got no answer and gave me the number so I could also call them. I called several times and also called XXXX back XXXX times for them to follow up. I finally called XXXX and got a lady who stated on a call XXXX XXXX that they did not do XXXX XXXX calls. I again called XXXX and reported this. XXXX said that they had no other service people and would report the problem to a manager who would call me back in 3-5 days. No call came so I again called XXXX and they again gave it to the Manager. I wrote a letter to the President of Lowe 's and the President of XXXX. Lowe 's responded with a referral to an executive support team. I have talked to XXXX from Lowe 's several times and he had tried to get help for me from XXXX. Another appointment was set up for XXXX XXXX with XXXX. No repair person showed up. XXXX called on XXXX XXXX to say they would not be coming as they do not repair under counter ice makers. I called XXXX again on XX/XX/XXXX and got told that they would try to set it up with somebody else but I had to call next week, but they felt there were no repair people in the area and I could find somebody myself but they would only pay for the part and the initial service call. This item is under warranty and I should n't have to pay anything. The item and the warranty were sold to me by Lowe 's. This is bait and switch ... sell me a product and a warranty, and then push me away when it breaks. I want my money back and this item gone.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I checked my credit report due to receiving notification that information had changed and noticed my inquiries had been removed and my credit score went up. Then on XX/XX/XXXX I received a notification that the information had changed again and checked and the previously removed inquiries were re-added and my score dropped.
Consumer complaint received 2016-09-15
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (OH)

Someone used my name without permission to apply for auto loan. Now that person is in default and Wells Fargo continuously calls me for information on that person. My only concern is whether or not my credit is/or will be affected. I have a stellar credit rating and hope that this will not affect it. I never signed or co-signed any document ( s ) giving my approval for this loan and would appreciate it if Wells Fargo would not continuously contact me in regards to this matter. I had no knowledge that my name and phone number was used in this matter until Wells Fargo started contacting me. It is very annoying to me since I pay all my debts on time and none of my creditors are looking for me for debt that I owe because I pay my creditors on time when due. How can I get Wells Fargo to stop calling me interupting me for a matter that has nothing to do with me.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NY)

My boyfriend and I began the mortgage process with Wells Fargo on XXXX XXXX. We had a signed contract with the sellers on XXXX XXXX and our loan officer assured us that this would be completed, at the latest, 45 days so we could give our landlords the requisite 60 day notice on our apartment. On XXXX XXXX he sent out an email to my attorney that all necessary documents had been received along with our commitment letter ( which was dated 5 days prior ). Then on XXXX XXXX he emailed my attorney that he was working on getting the filed cleared so that we could close the following week. To date, we have not closed, we have cancelled XXXX scheduled moves and we have to move out of our apartment at the end of the month because it has been rented.
Consumer complaint received 2016-09-30
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sortis Financial, Inc. (LA)

ClearSpring Loan Servicing of XXXX, Texas has been calling me over a defaulted mortgage debt. They claim I owe them around XXXX. I asked to see in writing how did they come up with that amount and the collection representative told me that her legal advisor said it was illegal to provide me with such information. I 'm the consumer and it 's illegal to provide me with information about my loan???? That does n't make any sense. All they were willing to provide was a copy of the original mortgage contract that I signed years ago. The contract does n't advise me of the amount that is still owed after a few years of payments. I also believe the statue of limitations is up. I need to see proof that I owe the amount that they are stating, how did they come up with that number? To me that 's like walking in a store and the cashier asking me to pay a certain amount without telling me how much something is. ClearSpring Loan Servicing should be able to prove I owe the amount they say I owe. If they are unable to provide proof, they need to stop calling me and remove the debt from my credit bureau.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Associated Credit Services, Inc. (PA)

I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Law Office of Harris & Zide (CA)

XXXX. dropped " legal '' papers off at my place of employment when I was not present. They left the papers with the manager on duty. The papers were not even in any kind of envelope or sealed in any way. Open to the public. My information was displayed out in the open with my social security number and other personal information. I felt deeply embarrassed. This is illegal as this debt is over 10 years old. The judgement was entered on XX/XX/2007. They have been harassing me with phone calls for years on end. They have been relentless in pursing a debt that can no longer be legally collected. The " legal '' papers they left have no merit. They were not even stamped by the court ; nor were they signed by any attorney. I work as a waitress in a restaurant for a minimum wage and salary. I also have over {$100000.00}. in student loan debt. And like many Americans I am having difficulty paying it back.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was issued a credit card application from Capitol One, I filled out the form and was granted the card. After opening the card, I changed addresses. 

At this point Capitol One called me and said they needed some additional information from me, after the card had been issued and I had begun using it. 

They said there were some " Issues '' they need to make sure were worked out, and refused to elaborate. 

I was given a fax number to send proof of my address and identity to, at XXXX of their departments. 

After faxing them the information XXXX times, from a XXXX, this department claimed they could not read the information on the fax. 

I confirmed there was indeed no issue with the fax machine being used, and deduced the problem was on the end of Capitol One. 

After faxing from a different fax machine the documents, they still said they could n't read them. 

Having no choice I asked if I could email the files, and they said they did n't have that option. 

I began calling different departments at Capitol One to find out what the problem was, and was basically told they suspected the card had been opened illegally. 

I said, let me just pay the balance on the card and be done with it. 

They said I could n't do that, because they had to verify who would be paying. 

As I was unable to prove my identity to them through their department 's incompetence, I left it out of mind briefly and Capitol One immediately sent the account to a collections agency. 

This agency never contacted me, and I found out about it only though pulling my credit report. 

Capitol One made it impossible for me to pay my own credit card balance and impossible to resolve whatever suspicions they had about my own identity on their end.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (TN)

XXXX of my Barclaycards ( XXXX XXXX and XXXX Visa ) were recently closed for undisclosed reasons. I always paid my bills on time ; never a late payment and always followed their terms and conditions. I had XXXX XXXX points which is equivalent to {$120.00} which I earned through purchases as well as XXXX XXXX points ( {$1.00} ). These points are owed to me and I would like them credited. Quite honestly I believe this financial institution is pulling a bait and switch and am not pleased with their actions. I am strongly considering legal actions.
Consumer complaint received 2017-03-03
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.
Consumer complaint received 2015-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (PA)

For the past XXXX years, we have been receiving calls from Harris and Harris, a debt collection agency out of XXXX attempting to collect a debt that is not ours. The person they are looking for is clearly not at our address and has not lived at this address for almost XXXX years ( they were a tenant in a property we own ). I have called the company and explained the issue and that the person they are looking for is not at this address, however, the calls continue ( approximately XXXX per week ).
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CT)

Fedloan is reporting past due on my loans for XX/XX/XXXX - 90 past due, XX/XX/XXXX - 90 past due, XXXX and XX/XX/XXXX 120 and 150 past due. 
I have disputed this incorrect reporting with them and they have not done anything to correct these incorrect reporting. I was granted a forbearance for all those months.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLD KEY CREDIT, INC. (NJ)

Hi, I received the bill on my credit of XXXX dollars from Gold Key Cred. 
I was shocked because i am an educated and responsible person.I can never leave my bills unpaid. 
I called their customer service number, XXXX. The lady on the call told me that its about the medical bill of hospital, used by my name or miss used my information. 
I never been there in that hospital in emergency. 
Some one used my name and information. I request you please take action on this wrong bill on my name. Its damaging my credit score badly. 
Please help me to get rid of this fraud done with my ID, as soon as possible. 
I will apprecite. 
RegardsXXXX XXXX
Consumer complaint received 2016-05-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I financed a vehicle in XXXX XXXX with Santander consumer USA. My first payment was XXXX XXXX I was XX/XX/XXXX I payed XXXX of the payment which was XXXX all together. XX/XX/XXXX came I made a payment of XXXX to my account which would cover all of XXXX including the late fee so that would make behind for XXXX XXXX they are now telling me I owe XXXX ca n't explain why and they keep calling me even when I tell them I 'll make a payment on a certain day early as XXXX I understand I 'm late for XX/XX/XXXX which would be XXXX plus the late fee I just do n't get how I owe nearly XXXX .i just want to be treated fair not being a victim to fraud