davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was  XXXX . I disputed this collection on two separate occasions for the  XXXX  credit bureaus and my collection was successfully removed without paying anything. On  X/XX/2017   , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n  X/XX/2017    and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My mortgage loan is currently serviced by Shellpoint Mortgage Servicing. Per the attached documentation issued by Shellpoint, the terms of the mortgage loan are as follows : 1. Original loan   amount of {$59000.00}.    2.  180 month term that matures on  XXXX .    3.  No balloon payment due upon maturity.    4. I nterest rate of 7.9 % and P & I payments of {$560.00} per month.     Shellpoint is currently claiming that the principal balance due is {$12000.00} and the total balance due is {$20000.00}. These amounts conveyed by Shellpoint do not add up and I have contested them on numerous occasions. Shellpoint has refused to prove up the validity of the debt and the accounting to back it up.they have simply told me it is what it is. Based on my current amortization calculations, the current balance due should be {$6300.00}. Shellpoint is clearly trying to over collect on the balance due, which is a violation of FDCPA and RESPA law. I feel cheated and deceived by Shellpoint and I am seeking your assistance on this matter. You can reach me direct at  XXXX  or  XXXX  XXXX  XXXX
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (AZ)

X/XX/2017 XXXX XXXX XXXX placed a credit of {$950.00} into my BBVA Compass checking account ( which I requested to be closed 3 or more times prior to this incident ) .The same day they tried to withdraw their funds back, but the bank refused because my account was in a negative state, I then accrued a credit reversal fee. I assumed XXXX received their money back. On X/XX/2017 XXXX received a refusal letter. I received an email from the HR Department at XXXX X/X/2017 stating that I had to start a repayment plan with them due to the bank refusing to give them the funds back, I became very irate at that time because I 'm a single mother of XXXX ( XXXX ) and ca n't afford the garnishment. I spoke to everyone at BBVA from customer support to the dispute specialist and authorized them to speak with XXXX XXXX ( HR Supervisor at XXXX ). I went back and forth with them and ALL of them refused to release the funds back to XXXX, it even got to the point where I used profane language and a rep laughed at me then hung up after leaving me on hold for over 5 minutes. I received an email from XXXX, stating they are still refusing to speak with her and she really needed to start the deductions from my pay check. On X/XX/17 I was terminated from my job with this situation as a key contribution to the decision they made.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.
Consumer complaint received 2017-04-26
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. (MS)

I am writing to dispute the following information in my file. I recently received a copy of my EQUIFAX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required und er Section 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FC RA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   Please provide me with a copy of an updated and corrected credit report showing these items removed.   The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Orde r The following credit inquiries are related to none of the aforementioned permissible   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   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   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
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

I was in the market for some appliances and when searching for them I was told I could buy them on the sears credit card a t zero pe rcent interest. It turns out that it was n ot zero p ercent interest but rather it was deferred interest. I was hit with almost {$500.00} in interest in  XXXX  and just came of find this out after wondering why this account still had a balance. I looked through my  XXXX  statement and it looked like an ordinary statement nothing that specifically called out to pay the remaining balance on the account.     I ca n't pay an additional {$500.00} when I only owed {$180.00} on the appliances I bought prior to being hit with these ridiculous interest.     Their store associates need to be clear about how they are explaining these interest plans between deferred and zero interest.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I received an offer to change my Banana Republic store card into a Visa Banana Republic card ( use everywhere ). I accepted the offer but soon noticed that when I went online to pay my bill that the   balance would say {$0.00} and no minimum payment would be showing. I would call and pay the bill express frustration that I am unable to pay online. I have been told repeatedly that the issue is fixed but it has never been fixed. I have been charged  XXXX  {$35.00} late fees by the company for making payment late due to this system issue. I request all fees to be waived and for the system issue to be fixed. I called and spoke to  XXXX  employee number she provided was  XXXX .  XXXX  was not helpful and quite rude. I explained why I was requesting the fees to be waived but she kept reiterating that the payments have been late even after I explained it several times. After I advised that she did not understand and was not listening she began to speak loudly and I disconnected after getting her information and advised that I would submit a complaint. I can not be the only person this is happening to. I was told nothing would change when I switched cards. I have attached a screen shot of me trying to look at my account today so you all can see it shows {$0.00}. I can not force the system to take the payment.
Consumer complaint received 2017-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  Capital One  ( and they will have record of i t )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximately  2  weeks later, another payment was made PAID IN FULL and Capital One decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

On or about  XXXX   XXXX    XXXX  , I created a complaint #  XXXX  against  AMERICAN EXPRESS  GOLD DELTA SKYMILES. It was a clear case of UDAAP. This complaint is once again against  AMERICAN EXPRESS GOLD DELTA  SKYMILES for the same account ending in  XXXX .   Now i have the eligible transaction at  XXXX  of {$25.00} few days back. But  AMERICAN EXPRESS  GOLD DELTA SKYMILES is stating that they could n't find out any promotion on my account to award me {$100.00}.   Moreover when i chatted with them - they are stating  6-8  weeks for investigation alone and that too they wo n't notify me regarding the result of investigation.   This is ridiculous.  Amex  is finding way to deceive customers and take away the award money. Attaching chat with customer service and the recent activity from that card.
Consumer complaint received 2017-04-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score as i f they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped my  credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal you r credit score shou ld go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remo ve two late  payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's  credit score bec ause they dispute negative information and for paying your bills on time.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

I was called by this company and they said there was an insurance fee of {$500.00} to {$750.00} that had to be paid in order for me to get a {$5000.00} loan. They asked for banking info to verify account ( which I have done with other companies, very common ) and the next day they deposited a {$750.00} check into my account ; the bank held the money ) when they called back the next day for me to pay out the {$750.00} I was unable to because the bank had it on hold as possible fraud. So they said that I " ran away '' with their company 's money when in reality, it was all fraud to begin with. The check came back as written from a fraudulent account and now I am negative {$1000.00} with my bank account due to fees and problems they have caused me. I want them to pay the money they cost me.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (TX)

This was previously disputed and  XXXX  failed to address this to the CFPB in the last dispute.     I am signed up for  XXXX  credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is th e 6th t ime I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that  XXXX  credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

Received a call from a  XXXX   XXXX  claiming to be a privat e investigator  for the pinn acle Group.   Claims that I have a breach of contract with  XXXX . The original principal that was charged off was {$610.00}. Now with post charge off and with an interest rate of 24.99 % the fees are at {$1100.00} making the total claim {$1700.00}. Also after legal fees the total amount due is {$2900.00}. I am being told that a lawsuit is being filed on  XXXX , my bank account will be garnished but I have the chance to settle for 50 %. If settled a release of liability will be sent to me so I can forward to all creditors.  <P/> Claim #  XXXX  number to  XXXX   XXXX  ext  XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I had a balance with an apartment complex which was forwarded to  National Credit Systems. National Credit Systems  offered me a settlement on the amount. They told me that if I were to take the settlement and pay in full they would consider the debt paid and remove themselves from my credit report.   I agreed to the settlement amount and promptly made payment . National Credit Systems  then was prompt in reporting the debt as paid. However they continue to report on the account. Consequently, the account remained on my credit report, causing me extreme difficulties in finding a place to live. Because, even though the account shows as paid, the fact that it is there at all is a major negative mark. I knew this when going into the deal, and made sure to ask the person I dealt with whether it would truly be removed or not.  <P/> She assured me it would.  <P/> I asked for this in writing, and they refused to give anything in writing. I could take the settlement then and there, or they would step up activities, which at that point had included harassing my parents, and my friends.  <P/> So I took the settlement.had I known it would not be removed, i never would have settled, because there would have been little point in doing so.  <P/> Now, they have their money, and I am in the same position as I was before I paid them. I 've gained nothing, and I can not find an apartment that will approve me in  XXXX , which is a competitive city to find housing in.  <P/> I am livid with the betrayal of this organization. I paid them in good faith, and they stabbed me in the back. I desperately need this to be resolved. I have attempted talking to them, disputing the account, all to avail. The credit bureaus will not help me. I have a perfect rental history except for this, and I was lied to and deceived, tempted by this representative to take an easy way out, and now, because of that ... i 'm screwed.  <P/> Please, I 'm begging you, i need to have this resolved so I can continue with my life. As of now, I 'm just treading water.
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (NY)

I received I refund from XXXX from a reservation that was canceled. I paid using my paypal account with a debit card ending in XXXX. I closed this XXXX account on XX/XX/2018 and PayPal proceed the refund on XXXX XXXX. Since I never received the money I called XXXX to see where my money went and they said the money is not on the account since it is already closed. I contacted PayPal more than 3 times reagarding my refund and asked them to put it in another account, they refused to do it since they claim the money is in my XXXX accout. Today they sent me an email stating they money is in a card ending in XXXX. I have no card ending in XXXX, the credit card I have with XXXX ends in XXXX. PayPal reduces to give me my XXXX.