davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
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. (CA)

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX  and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XXXX of XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX  dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

It appears that I was not permitted to access my account because I asked for clarification of my credit score with Experian. On XX/XX/XXXX, I sent a request to Experian asking for clarification of their credit score because the score they provided my wife and me was approximately 50 points below that of other ratings, although all the ratings were high. Immediately afterwards I was not able to login to my account with Experien. Experian continued to send me notices that my account was being updated but I was still unable to login to my account although I was being charged for the account. I sent other email requests for assistance, none was given. Today XX/XX/XXXX, I talked with their customer support after holding for over an hour, then was transferred to their membership support and waited another hour on hold. I was told they had no answer as to why I could not login to my account but that I could cancel my previous account ( one I have had for approximately a decade ), and open a new account. They would cancel my old account. I asked that my old account be cancelled and they send me information about a new account, and they said they could not send me information about a new account. I asked to talk with a supervisor and waited on hold for nearly half an hour. She indicated they were moving to a new system but that should not have affected my account since I had not been moved as yet. I asked to offer a formal complaint about their services and she apparently took that down but when I asked would I receive a response, she did not indicate anything. For me this is the poorest customer service I have ever received, particularly for a long-standing client who was paying for the service with an automatic withdrawal. I hope you will look into their practices since Experian seems out of step with other credit ratings ( XXXX XXXX and XXXX XXXX ) while Experian was XXXX or so over several years. I am retired, have no debt, and receive a decent income from retirement sources and rental property. It appears that I was not permitted to access my account because I asked for clarification of my credit score.
Consumer complaint received 2019-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (GA)

After applying online 4 a short term installment payday loan we were contacted by someone named XXXX XXXX posing as a representative of Speedy Cash saying that we were approved for {$3000.00} loan. We were supposed to receive the money within 24 hours of giving him our bank account number which we gave him our account number and routing number then he asked for our online banking username and password. When I obtained the information I was unable 2 retrieve his number from my voicemail so I went to the company 's website and call the number listed. I spoke with a customer service rep by the name of XXXX that informed me we were not in their system so I hung up I made a point to retrieve the voicemail that I received from XXXX XXXX and I proceeded to call the number he listed. I first called him blocking my number and it went to voicemail after the second ring then I called back with my numbers visible and he answered stating that he was XXXX XXXX with Speedy Cash and how could he help me. I asked for someone XXXX XXXX name and he just sat there on the line and eventually hung up after my fourth time of asking for a random person. I then called Speedy Cash buy the number listed online and I was informed that this person is a scam they are not out of Washington they are out of Kansas and then I proceeded to ask for the fraud department from which I spoke with XXXX who made a report and advise me to file a report with the FTC consumer XXXX and to contact my bank and XXXX.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After I had filed a dispute of an account with XXXX XXXX/XXXX XXXX. They did not correct the error that they had been reporting. They had been reporting the wrong year from when the account was closed in. The XXXX XXXX account was closed in XXXX yet they still have been reporting it as XXXX. They haven't corrected any of the errors. They had just done an update to the status of the account and in them doing so has lowered my credit score by 65 points. This account has been paid in-full 30 months ago. So by XXXX XXXX updating the status that they had reported to the credit agencies it lowered my credit score by a pretty high number
Consumer complaint received 2019-01-06
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 — Their investigation did not fix an error on your report
Company: Sentry Recovery and Collections, Inc. (CA)

After my initial complaint against XXXX  the result was still still not verified they keep saying the account Sentry Recovery & Collection has been verified the company has failed to respond to me under the FDCPA and XXXX  has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved
Consumer complaint received 2020-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Financial Services (IL)

On XX/XX/XXXX I open a car loan with Consumer Financial services in the amount of {$8100.00} and it was paid off. On XX/XX/XXXX another car loan was taken out in the amount of {$7200.00} and was paid off. I noticed a collection from the same company for a 3rd account in which I was not aware of. This account was opened on XX/XX/XXXX and has a past due balance of {$5600.00} as of XX/XX/XXXX. I then reached out to the company to dispute this. They tried to claim they were not sure what I was talking about. Shortly after I received threatening phone calls from a man who claimed to be the lawyer representing the finance company. He proceeded to call me more than 15 times a day stating he was at the court house due to the balanced owed and if i wanted to avoided getting jail time I'd need to meet him at the finance company and pay the balanced owed. I than contacted the company and they refuse to acknowledge the situation. It got to the point where they started to call my job and threatening my boss with legal action if I did not pay the balance owed. I eventually had to find a new job due to the constant harassment. I then decided to go to the police station to file a report on the incident. I was to provide all information on my car including registration and the legal contract. After the VIN was put into the system I was informed my car had been reported stolen a few weeks before I purchased it. I went ahead and called CFS to explain the discovery. I was called a liar and was told I personally reported the car stolen when I did not. Shortly after that I started getting the calls again threatening to throw me in jail. After that CFS took my car and said it was out of their hands. This company is UNPROFESSIONAL and ROBBED me of my money and sold me a stolen car. They refuse and deny opening up the 3rd loan account. I disputed this with XXXX XXXX  and it was removed.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$250000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXXN Servicing has went silent and they are now only requesting to have the bankruptcy stay released to  pursue foreclosure proceedings. I now have a ratified contract confirming a {$250000.00} purchase price subject to home appraisal. I am requesting assistance with SN Servicing to accept the short sale offer at a fair and reasonable priced based on market analysis of home.
Consumer complaint received 2019-01-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MD)

I feel I being charged a fradulent Mortgage Interest Rate ( Adjustable-Rate Mortgage ) for the past Three years. My ( ARM ) is the type that supposed to adjust with the current market rate and I feel I have bern over charged for the last Three years. 

What caught my attention about my ( ARM ) being inflated, is when I contacted my Mortgage Service Company ( Seterus Inc ) on Friday, XX/XX/XXXX in the evening. I was speaking to a employee at that company in regards to my extra amount if payment I was paying each month to catch-up on a One month payment of {$400.00} and at that time my regular monthly payment was {$2400.00}. But what got my attention was I asked the Customer Service Representative what was the current ARM rate and he put me on hold for a few minutes to do some research and calculation, he came back with stating the current rate was 3.09 % and mines was at 4 %, so I asked him why was mines so much higher, my ARM is supposed to reflex the market rate. I am struggling to catch up on the One month I am behind and afraid I could lose my home if this Mortgage Company keeps increasing my ARM with these fradulent Rates. 

XX/XX/XXXX ARM Rate - 4 % - {$2400.00} XX/XX/XXXX ARM Rate - 4.25 % - {$2400.00} would have been {$2500.00} if I didn't pay {$780.00} Escrow Shortage XX/XX/XXXX ARM Rate when down to {$2400.00} because I paid the escrow Shortage. XX/XX/XXXX ARM Rate - 5.37 % XX/XX/XXXX - New Payment {$2600.00} My balance of my loan is {$260000.00} I am struggling to pay the One Month I am behind if the mortgage company keeps increasing my Mortgagepayment and I can not refinance my mortgage to a regular fix rate if I can not catch-up. 

I have all the paperwork about the ARM adjustments. They are saying that my interest rate calculation is done by a index rate and adding a certain number of percentage points called margin and taking into consideration any applicable rounding and intereste rate caps of 3.10388 % and a margin if 2.25000 %. 

I need some help with this situation, I believe I am being taking advantage if and being over charged for the last Three years.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX  and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX.

However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX   because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (SC)

I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX  XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. 
I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. 
They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX  I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX  XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX  XXXX XXXX account despite they will close 2nd XXXX account. 


Bank website : XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (AZ)

Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Walmart Store Card Payment showing a 'Processed ' 1/4, but last payment not reflected in data and applied to Balance Filing Complaint with Walmart but real problem is Synchrony Bank which have encountered with other retailers they act a card service provider. 

This is very deceiving, misleading and can result in duplicate payments being scheduled and delays being reflected in Balance on account. Money has already been pulled from my financial institution,
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for the Citi Double Cash Credit card online ( 2 % cash back ) around XX/XX/2018. After 2 days I called Citi to inquire about the application. I was told my credit is not a concern but they need to process me through their security. 
I was told they will get in touch in me. On XX/XX/2018 I got a notice of an incomplete application. There were no specifics only a number I should call. So I called Citi. I was put through the security department. I inquired why have you stopped reviewing my application what information did they need from me? The agent asked me what number can I be reached at. I told him the one I am calling from and that this is my cell phone and only number. The agent then asked me is there no other number that I can be reached. I said no and he agreed to call me back in 5 minutes on my cellphone so that he can verify I am who I say I am. Agent did not call back. I called that department again three times during that week and I was given the run around and eventually I was told my application has been declined and that a written notice to explain why had been sent out. On XX/XX/2018 I got the notice of a declined application where they said we couldnt verify the accuracy of the information you provided. I am writing this complaint because Citi handled this item very poorly and unprofessionally. I made myself available and I called the number as asked. The agent did not do anything to try verify the so called information they needed. Citi ran my credit and impact my credit score and they should be held accountable.
Consumer complaint received 2019-01-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mark A. Leachman P.C. (CO)

XXXX XXXX XXXX XXXX XXXX agreed that I would pay a {$1900.00} by XX/XX/2019. In return they would not contact my new employer. I told them who I worked for and paid the total amount by the due date. They still contacted my employer before the due date.