davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a card through XXXX XXXX XXXX XXXX  go into derogatory status due to illness and life circumstances. 

I negotiated a settlement agreement with XXXX XXXX XXXX XXXX  for {$140.00} to settle the account. 

They are incorrectly showing a balance on the credit report and are continuing to do so.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  issued a VISA Credit Card through XXXX XXXX to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep XXXX satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with XXXX
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

The issue is that over the life of my loan I had XXXX loan modification ( XX/XX/XXXX & XX/XX/XXXX ) that included principal reductions and adjustments in interest rates. The modifications became a subordinate note added as a property lien. 

When I sold the home XX/XX/XXXX, the payoff of the principal amount and the lien seem odd. So I contacted PHH Mortgage service to ask about the amounts and shared that a principal reduction was apart of my modification. I was told that there was not a principal reduction or principal forgiveness applied. 

The interest rates were adjusted but there was no reduction in the principal. As a result, I have over paid since the principal reduction amounts were a part of the subordinate note that I paid when selling the home. I then reached out to HUD, XXXX XXXX XXXX XXXX and PHH Loan servicing to explain what happened and requested a refund as resolution of the over payment. HUD and XXXX explained that XXXX XXXX XXXX are my source for a refund. 

My original loan amount is {$220000.00} XX/XX/XXXX principal pay off amount - {$140000.00} and the subordinate note - {$57000.00}. which would equate to me only paying {$13000.00} on the principal since XX/XX/XXXX, That didn't make sense. But would confirm since the principal reductions was not applied. 

I reached out to PHH loan servicing again in XX/XX/XXXX. I have followed up several times. I sent a letter of on XX/XX/XXXX. I received a letter from the research department acknowledging my letter. But now it is the end of XXXX. I called them again and ws told no letter shows received and that I have to start this process all over again. They will not escalate the issue. Even tho I shared my documentations that was sent in XX/XX/XXXX. I resent the information XX/XX/XXXX. I contacted HUD and was encourage to file a complaint with CFPB.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

Chexsystem XXXX Call Chexsystem to ask about someone try to unfreeze the Chexsystem Report and try to request the new PIN for security freeze service because I received the letter regarding security alert date XX/XX/2020 and XX/XX/2020 Representative explain that they received the request for the new PIN but the request did not process because the address was difference. 

After that I request them to update the correct address, Email and telephone number on the report. And they will summit the claim that I didnt request for the new PIN as well. 
They said they will send the letter confirm about the action. 

XXXX Call Chexsystem to follow up the action. But the representative said my request to update the correct address, Email and telephone number. It can not process because I have Security Alert on my report. And the current address that they have on file is not the same that I provided. 

I immediately explain to them that I NEVER put the Security Alert on the report. 

They request me to fax ( XXXX ) the letter explain that I never request for the Security Alert to be able to update the correct address, Email and telephone number.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Citi Bank issued a VISA Credit Card through Best Buy to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep Citibank satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with XXXX
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2019-01-27
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. (TX)

Hello, I am XXXX XXXX I have a XXXX bank XXXX XXXX credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, XXXX XXXX  closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, XXXX XXXX  then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the XXXX  dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CT)

I was contacted by a collection company in XX/XX/XXXX regarding an amount of {$550.00} owed to XXXX XXXX. I stated that I had not had an account with XXXX since XX/XX/XXXX and my balance was completed paid. I asked for verification and further details about this amount owed and was referred to XXXX XXXX XXXX. I sent a letter correspondence in XX/XX/XXXX asking for proof and verification regarding this debt and stated if in fact owed I was willing to make payment with removal of derogatory collection remarks. No verification or response was received. I then went ahead and disputed it with all 3 bureaus in XX/XX/XXXX. This dispute was denied and in XX/XX/XXXX I requested verification again which went unanswered leading me to believe this collection was in error. I sent notice to all 3 bureaus again via certified mail. This dispute was again denied and a letter from XXXX XXXX was sent to my home stating they would not share or verify this account with the bureaus. At this point this collection remains on my account hindering me from qualifying for a federal mortgage first time home buyers program which I am praying to secure. I have no other blemishes on my report other than this and through my efforts have received no response or solution in my attempts to resolve this. This company has been using different collection agencies to contact me and even has different names on my report under the same collection. On XXXX they are under XXXX XXXX XXXX XXXX XXXX, and on XXXX  they are showing as XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (ME)

The collection was to have been placed in hardship status, due to a household member going through a life-threatening medical situation. This account has been bounced between collection agencies, when it was to be placed in said status. Callers have also berated a household member by stating " You need more medications from the VA '', when this has to do with XXXX. Actually, the caller was very disrespectful to a member in my household. Caller also threatened to take legal action.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (UT)

Company : Lowe 's Credit Card via Synchrony Bank What Happened : Synchrony Bank closed the account on XX/XX/XXXX due to slow and partial payments during Covid. The account balance was for services to be performed on a property that needed to be remodeled. When Synchrony Bank closed the account, we called to cancel the services. We could not have the services performed on the house during COVID in Pennsylvania that had enacted strict COVID protocols. Synchrony Bank asserted that we would have to cancel the services with Lowes. Lowes claimed that they could not refund the services because the account had been closed. This back and forth between Synchrony and Lowes went on as a dispute for 2 years. After 2 years of dispute with Lowes, Synchrony Bank started deducting {$5000.00} payments from our checking account without so much as sending us a bill or a resolution letter. We contacted the bank and they claimed that our original purchase of {$34000.00} was now over {$57000.00}. We started calling Synchrony and Lowes for resolution. Because we had canceled the services several years prior, Lowes refunded a cashier 's check to us personally in XXXX of XXXX for the services that had not been received for {$20000.00}. We contacted Synchrony Bank on next steps and they instructed us to send them the money and they would review for credits. Synchrony Bank received that money on XX/XX/XXXX. They claimed that they would contact Lowes. They did so but continue to debit our account for large payments towards the {$57000.00}.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (IL)

In XX/XX/XXXX, I signed up for a {$20.00} per month membership with XXXX XXXX. In XX/XX/2018, I told XXXX XXXX I wanted to change to a $ XXXX month membership. I tried changing the membership a couple weeks before my year was up, and they told me I needed to wait until late XX/XX/2018. Right after the year of {$20.00} per month ended in XX/XX/2018, I went in and changed my membership to a {$10.00} per month membership. I was told there was no charge for the change.

My {$39.00} annual membership fee was charged to my account on XX/XX/18. I just looked at my account and noticed I was charged an annual membership fee again on XX/XX/18. I contacted XXXX XXXX XXXX ( who recently purchased XXXX XXXX ) and was told that when I switched to the $ XXXX month membership, I was charged another annual fee because it is a new contract. XXXX, the Manager, said that my new annual fee would be in XX/XX/XXXX now instead of XX/XX/XXXX, and there is nothing he can do. If I was informed there would be another annual fee charged, which I was told would not happen, I would not have agreed to it. XXXX says he can not return the money. When I told XXXX I was going to file a complaint, he said, " Go ahead. '' Another issue is that my debit card was compromised. I had to get a new card issued. XXXX XXXX called to let me know I needed to update my account information. When they told me that there was going to be a late charge, I told them to cancel my account, I didnt want the membership if it was going to cost me extra money. This conversation happened, I believe, on XX/XX/18. I was told that the only charge to my account would be for {$10.00} and all other fees would be dropped. However, I looked at my bank account today and I have a charge for {$10.00} Club Fee and a {$20.00} charge for Club Charge - which was not authorized. So, now a couple of days after I said I did not want the membership if I was going to be charged extra money, and they promised it would only be {$10.00}, I end up with an extra {$20.00} charge and have to cancel my membership anyway! If I had cancelled it when I said I wanted to, I would not have the extra {$30.00} taken out of my account! THEY FLAT OUT LIED TO ME!

The total amount that was charged against my account, which was not authorized, and I was told would not be charged is {$59.00} ( {$39.00} extra annual fee, {$20.00} Club Charge ). However, since I had to cancel my account due to their false information, I believe I should also get the $ XXXX monthly fee that was just paid yesterday. My total amount in dispute is {$69.00}.

The XXXX XXXX XXXX  Manager, XXXX, told me that there is nothing he can do, and the charges are not going to be reversed. Very, very poor service!
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

This company is horrible. My complaints are consistent with the lawsuit being filed. I constantly receive contradictory information from different representatives and have been constantly encouraged to enter forbearance periods. Every time I present my situation to a representative they have a different version of what is the best option for me though my situation and presentation of it has not changed. The ultimate response I always get is that " If I can't afford the payments I should enter forbearance until I can. '' This occurred even when I stated that I want to find a way to make payments. On multiple occasions representatives have hurried to get me off the line with promises that a coming email would explain things. Those emails ( on at least two separate occasions ) never came. When I finally convinced someone to walk me through the IBR plan and what to submit, I was told that everything was set and that my new payment would be $ XXXX/month beginning XX/XX/2019 and that an email would confirm that on the XX/XX/2019. I asked repeatedly if the company needed anything else from me and was told no. No email came and when I called today ( XX/XX/2019 ) I was told that my application was denied because they did not have proof of income. I told them they did and pulled up the document. They stated that I did not write the pay frequency on the stub. I informed the representative that I was told everything was good and that the paystub indicated clearly how often I get paid which is every two weeks. The representative agreed and stated that she could could see that, but that the company wanted a handwritten explanation on the stub itself and that I would have to resubmit the form. I asked to speak to a supervisor and was informed again that " the due could be extended '' or I could " enter forbearance '' if this was too much for me. I'm exhausted from dealing with this company. They are unclear, unfair and not about the well being of their customers. Their policies are confusing and inaccessible and their representatives constantly encourage options that ultimately cost consumers money. I'm filing this complaint because I want accountability. The student loan scene is all but a crisis in this country and someone should hold these companies accountable. Please contact me if you have further questions.
Consumer complaint received 2019-01-27
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. (FL)

I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 EQUIFAX : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, Equifax and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC (MD)

I have been disputing a rental collecting that was place XX/XX/2015 as a collection on my credit report. The balance started at {$5300.00}, then it changed to {$5400.00}, and change again to $ XXXX.They have been reporting inaccurate information and unauthorized activity occuring on the account such as a payments made on the account and showing different balance amounts owed. When asked the collection company to verify payment on the account made to the account, they remove payment from the account. This collection company called people in my family and even sent the debt information letters to their homes, they have call previous jobs telling them that I owe them money. The collection company also place multiple inquiries on my credit report to get information illegally off my credit, and using previous addresses to mail information of the debt that went out to old, or inaccurate addresses. I disputed their inquiries had them remove from my credit report and had to place fraud alert to block them from continuing to place many inquiries on my credit. I even dispusted the fraudulent acivities made on the account to Credit Bureau and have shown that they continuiously violates the FCRA. Lastly they use illegal tactics to sue me, and I was not aware of the lawsuit.