davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (UT)

In XXXX of XXXX I was in the hospital, and for some reason the Physician bill did not go through my insurance. The bill was sent to collections, and the collections agency called me in XXXX of XXXX. I contacted the physician office, updated my insurance info, and they successfully processed the payment, and I was told I owe {$0.00} and that they would take the charge back from the collections agency and clear the charges. I was under the impression that I was in the clear. 

Fifteen months later ( XXXX XXXX, XXXX ), the National Service Bureau contacted me to inform me that 1 ) The charges still stand, and 2 ) I have had an outstanding charge in collections accruing interest for over a year with no notice. I went to the trouble of requesting a final bill/receipt from the physician 's office as well as an Explanation of Benefits from my Insurance company, both of which show a zero balance. 

I faxed these documents to the NSB, and then told me to give ten business days for processing. I followed up by calling the NSB on XXXX XXXX, XXXX. They informed me that they talked to " the Client '' ( who they would not specify, but who I assume is the Physician 's office ) and that the charges remain, which is in direct contradiction to my clear proof of zero balance. 

At this point, the charges still remain, the debt collectors have made very lazy attempts to contact me, and my credit score is suffering significantly because of a debt that I do not even owe. I believe their delay in resolving the issue despite clear evidence is intentional, and I have no choice but to file a complaint.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (OH)

This company has sold the account and so they will start calling and harassing me. XXXX is out on the CCard company. Now they sent to a collection agency. They would not speak to me because I had filed harassment to this company. They would call startong at XXXX and not stop all day.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MA)

synchrony bank continues to report an erroneous account that does not belong to me on my XXXX and XXXX credit reports. they sent me copies of statements showing my name and address. I requested a copy of the credit card agreement showing my signature where I agreed to open an account with old Navy. I never opened nor used this account. it continues to damage my good credit.
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: SYNCHRONY FINANCIAL (PA)

Leaving me voicemails claiming to issue papers to me and if I am not home, they will report it as a missing court hearing. Also claiming that they have sent me certified mail to an address I do not live at. When I asked them to resend the letter to my correct address, they refused and said they already did their part.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CA)

Recently I purchased an item from Williams-Sonoma on-line. Yesterday I received mail telling me I 've been pre-selected for a W-S Visa issued by Barclaycard. I 'm not at all interested ; I already own a Visa card from another financial institution. They offered an opt-out number to stop receiving 'pre-screened '' offers from Barclays and other companies by calling XXXX. When I called, the answering tree message wanted my Social Security number in order to opt out! Even THIS site says not to give out SS # s ( in the instructions ). I 'm angry that in order to NOT receive unwanted solicitations, I need to provide my SS #. This reeks of fraud, or, minimally, unsavory business tactics. Please contact Barclaycard to request they change their demand for a SS # to stop these offers. Thank you.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (TX)

Hello, I use a BP credit card ( Synchrony Bank ) for my flight business to purchase fuel for my planes. We use the card a lot depending on the weather. So some times I may need to pay on the card two or three times a month depending on how busy we are. 
So to my complaint : I have recently made a couple payments on said card. Last payment on XXXX XXXX, XXXX, which the money was taken out of my business account on same day and posted to the BP credit card account. To date they have not posted my money to my available credit due to what they have said ; multiple payments in a billing cycle. I have asked them to release the amount so that I can use the card for my business. I was told that they will not release the fund for two more days. 
I feel the this abuse if not thief on their part. They will have sat on my money for a total of 7 days. Credit card companies are allowed to take advantage of its costumers without any recourse. 
Account Summary Current Balance* : {$1700.00} Minimum Payment Due : {$0.00} Make a Payment Payment Due Date : XXXX/XXXX/XXXX Available Credit* : {$23.00} Request Increase Available For Cash Advance* : {$23.00} Total Credit Limit : {$2300.00} Payment History Last Payment : {$500.00} Last Payment Posted : XXXX/XXXX/XXXX View Online Last Statement Date : XXXX/XXXX/XXXX Last Statement Balance : {$2000.00} Enroll in Electronic Statements
Consumer complaint received 2015-05-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OR)

I received a payday loan for XXXX dollars. I was not sent the contract terms, and I was n't called by a representative to explain the terms. It turned out that the repayment was on a schedule I could not keep up with, and when I asked the lender to adjust the schedule they refused, while informing me that there would be a XXXX dollar finance charge for each missed payment. For me, that meant that I would never be able to pay this loan off. Now I am receiving harassing phone calls at work from a representative who tells me that it will cost XXXX dollars to pay off this loan.
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CO)

I got my Auto loan about 3yrs ago, my finances have not been the best, I have fallen behind, my XXXX payment due on the XXXX I tried to have it paid before XXXX payment it did n't happen. I spoke with my son 's father who is out of state and he offered to both months and late fees to help me, prior I had made arrangements to have a payment taken out XXXX XXXX for my XXXX payment and again on XXXX XXXX for XXXX payment. I contacted wells Fargo before the XXXX to have both post dated payments stopped that my son 's father offered to pay them, spoke to a XXXX with WF Auto loan all was to be handled the payment for the XXXX was stopped but the XXXX XXXX was not it was kicked back non funds and a XXXX OD few was applied, then on the XXXX of XXXX again thwy put it through bringing my account to a negative XXXX. I went to WF bank and spoke to a banker, who also called WF Auto loan to see what he could do and was told they could n't do anything about it, they refused to reverse the payment or reimburse any fees, also stated there policy is to run the payment through 3times at that point it had been twice, already, they were told the funds were not there and they still said nothing we can do, l was current tell XXXX XXXX. Now what money I did put in my account XXXX they hate it up and left me XXXX in the negative as of XXXX XXXX and another debit to still take place by WF Auto loan dept, I am being held accountable to pay, I paid my payments caught up tell XXXX XXXX why are they being aloud to debit my account 3 times after it was cancelled a month prior, and my car payments are current. I been a Customer sense 2008 guess that holds no meaning I have endless accounts that they have switched me from it 's a mess I will NVR DEAL WITH THEM AGAIN AFTER THIS!!
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

Franklin American Mortgage is neglecting my account causing me to pay more on my house payment every month for the past 7 months. Franklin American Mortgage made an error about 8 months ago. They pulled money from my escrow to pay my insurance. They sent the check to the wrong insurance company and the check was mailed back to my mortgage company ( this was stated by the first rep I spoke with after calling about my monthly payment increasing ). They never put the money back into my escrow. The Franklin American Mortgage Company then pulled out of my escrow 2 weeks later and paid the correct insurance company. This caused my escrow to have a negative balance ultimately making my house payment go up from {$760.00} to {$900.00} per month. They have admitted to the problem several months ago and I have called numerous times, but they are still making me pay the {$900.00} per month and they have never reimbursed me for the past 7 months overage I paid that has accumulated to over {$1000.00}. In XXXX 2016, I called to check on the status of this and they said it would be resolved by XX/XX/XXXX. The rep stated this was the date the ticket was set to be resolved. I called on XX/XX/XXXX and once again got the " run around ''. I was told to " call back on Friday ''. I was then told in XX/XX/XXXX that it will definitely be resolved by XXXX and it is now XXXX XXXX, 2016. I have seen no check with a reimbursement and my house payment is still {$900.00} instead of what it should be. Every time I call, I get nowhere. I have asked to speak to a manager and was denied. Instead, the rep said she will call her manager and get back to me. I have been patient for 8 months now and I am writing press releases that will be submitted with my honest review of Franklin American Mortgage. I am going to show Franklin what a frustrated XXXX guy can do. Why do I have to suffer financially for a mistake that this company made? I understand if it took 6 weeks or so to resolve, but 8 months? {$140.00} extra each month for the past 8 months adds up. I dont have the full amount to pay for XX/XX/XXXX and that will affect my credit because this company refuses to fix their mistake that they have even admitted to making. I am sure I will get this taken care of now that I submitted on XXXX and after I submit to CFPB. The only reason it will be taken care of is for online reputation protection which always escalates issues. I was so patient with you guys and I understand mistakes happen, but this has gone on way to long without being resolved. I have wasted hours of my time explaining to a new rep every time I have called back. I have even been told the rep would call me back which never happened. I have been told this is negligence and causes financial distress which can lead to pain and suffering. I am at that point.
Consumer complaint received 2024-08-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

The collection items listed on the provided report are inaccurate and stem from identity theft. I am not responsible for these debts and demand their immediate removal. I am being unfairly harassed through relentless communications targeting my family, electronic devices, and mailbox. This constant barrage is causing undue stress and XXXX. I urge you to rectify this situation promptly and cease all contact and collection efforts.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Dear : Navy Federal Credit Union XXXX : Correction or Deletion Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX  XXXX XXXX, XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 
Please also enclose a printed copy of my payment history or you may also email it to me at ( XXXX ) please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 
If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5-10 business days of the written confirmation. 
Thanks in advance. 

XXXX XXXX XX/XX/year>
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( XX/XX/XXXX ), account went to collections. In XXXX XXXX, got a temporary part-time job and made arrangements with the creditor - XXXX to pay $ XXXX/month. Started XX/XX/XXXX. XX/XX/XXXX ( I 'm told ), the account was charged-off. I have been making $ XXXX monthly payments to creditor since then. XXXX XXXX, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. XX/XX/XXXX, they replied they " received [ my ] your request to close the above referenced account. '' WHAT??? And then later in the letter : " If you would like to may payment arrangements to resolve this issue, please contact us at XXXX. '' Huh??? I already made payment arrangements with them when it was discussed and I agreed to do $ XXXX/month - all I could do ; and notified them in the letter that I 'd let them know if/when my situation changed. 

So, my question is this : If the creditor talked with me, stated/negotiated ( almost begging ) an amount and accepted the payment amount I could make, AND has been accepting ( and acknowledging - receipt of ) those payments every month - for a debt that was Charged Off XX/XX/XXXX ; do they then have any right to refuse current payments I make, in an attempt to say I was not " paying as agreed, '' or to make it seem as if I have not been paying? What is my right as a consumer? What is their right as a creditor? 

I have another letter to write to them, accompanying the next payment I 'll be sending, to let them know they did not follow my letter, or misinterpreted it, and further - they did not acknowledge receipt/crediting the payment ( per letter as they have done for over a year - prior to my letter of request ). What else do you suggest I do at this point? Please advise, thanks.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: New Century Financial Services, Inc. (NJ)

I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Notice of Warning for Any Delay in Processing by Midland Funding, LLC To whom it may concern. 

I am aware of your attempts to delay the processing of many consumer disputes and challenges based on your belief that my disputes are duplicate Your delay is illegal, as it is the right of all consumers to receive ALL information concerning an alleged debt, and you have no legal basis for delaying the processing of those letters. 
However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. 
Code 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TN)

Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX is reporting a collection that i have no acknowledged of, ive sent letters and FTC reports and police reports. the company is stating that the account is " Verified as Accurate '' but have not provide any documents showing that the account is " mines '
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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