davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MD)

On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff the account.
Consumer complaint received 2015-12-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter.
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NJ)

XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. 
I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. 
I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? 
THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (GA)

I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

COVID-19 arrived. I wrote a nice letter to Capital One, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my Quicksilver credit card. 

They are still charging my account for payments, interests, and late fees.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC (TX)

My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CT)

I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.
Consumer complaint received 2016-01-28
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Risecredit, LLC (CA)

I was getting a mail information to get a loan, and I was applying for that, but I changed my mind due to high APR. i never received any money, but they were keep calling me at home and on my cellphones and every time i was trying to pick it up, it gets cut off. I find out that the person who was applying was using my name as an email XXXXXXXXXXXX which was not my email address.
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied and got approved for USAA XXXX World MasterCard. It came with a {$200.00} statement credit offer if I make XXXX purchases by XXXX XXXX, 2016. After I made XXXX purchases, I called USAA customer service to check when the statement credit will be issued. USAA denied the existence of this offer
Consumer complaint received 2018-08-20
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. (WI)

An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

OVER 8 YRS AGO MY DAUGHTER RECEIVED A LETTER FROM XXXX XXXX IF SHE BROUGHT {$200.00} IN TO A LOCAL XXXX XXXX, SO MY DAUGHTER AND MY SELF WENT TO XXXX XXXX XXXX, WV, SO WE GAVE THE MONEY TO LADY, BASE ON THAT WE THOUGH WAS TAKEN CLEAR OF, ONCE WE START RECEIVING THESE LETTERS FROM XXXX XXXX, I CONTACT SEVERAL TIMES, XXXX XXXX SUPERVISOR I TALK OVER THE PHONE WAS VERY NASTY, THAT LETTER MY DAUGHTER RECEIVED FROM XXXX XXXX HEAD OFFICE READ IF SHE BROUGHT {$200.00} AND PAY IT ON THAT CREDIT CARD IT WOULD CLEAR THE WHOLE, SO LADY TOOK {$200.00}, FOR YEARS WE TRY TO FIX THIS ERROR BY XXXX XXXX, THEY DID NOT HAVE ANY PROBLEM TAKING HER {$200.00}, SO OVER YEARS WE HAVE BEEN HARASS BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA,XXXX, REF ACCOUNT # XXXX, IT A SAME THAT XXXX XXXX DOES THIS. 
THANK YOU XXXX BLESS XXXX XXXX XXXX XXXX, WV,XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DC)

I recently recertified my income for an IDR plan with Navient, and discovered in receiving my updated payment amount that Navient had placed me in IBR instead of PAYE. In further discussion, I learned that I was placed in IBR XX/XX/2013, when I first consolidated my loans and applied following my six-month grace period, although Navient has paperwork showing I requested to be in a PAYE plan at the time. Despite numerous discussions in which Navient acknowledged the mistake, Navient has insisted that I need to re-apply and make one month payment on the standard repayment plan, rather than being administratively switched to PAYE. I believe the mistake was made because the paperwork for PAYE was limited at the time ( PAYE required a separate, ad hoc communication because the OMB form including PAYE had not yet been published ), yet Navient refuses to own up to its error. I have hit walls at Navient, and am now looking for a solution.
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants have acquired a debt that belonged to a company, which I currently have XXXX lawsuits against, XXXX XXXX XXXX for a very similar matter. 

XXXX of the many problems that I have with the handling by Diversified is that they have re-reported a debt onto my XXXX Credit Report that XXXX XXXX XXXX has removed. Furthermore, I have been advised by counsel that Diversified has violated the TCPA, FDCPA, and the FCRA. 

Furthermore, Diversified Consultant contacted me for the first time by phone XXXX/XXXX/2015. I told the rep to kindly contact me by mail only as he was calling me at work. 

XXXX/XXXX/2015 Diversified Consultants called again, I kindly told them AGAIN to not contact me by phone because I was at work and to please correspond by mail only. When I asked the gentleman to please mail me, he said with an attitude " well do n't you want to know what this is about '' and continued ... until I cut him off and said once again please contact me by mail.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (LA)

I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MN)

XXXX XXXXXXXX XXXX has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly Synchrony bank but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am management! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who XXXX XXXX XXXXXXXX is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to XXXX XXXX. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A SAMS club Mastercard in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS (VA)

I have applied for a home loan through Embrace Home Loans in XXXX 2015. I was pre-approved and went through the process of finding a house. After finding a home and having the owner file for bankruptcy in XXXX, I was on the search again. I found a home for sale by owner. So I spoke with my loan officer, XXXX XXXX, and told him that the owner was fine with me moving in with a deposit and she can wait till XXXX to sell the property to me so I could get a XXXX % financing loan. I sent him an email XXXX XXXX, trying to get him to start the loan so we could hopefully close by XX/XX/XXXX, like the owner of the home wanted. I recently found out he did not start on the loan until XX/XX/XXXX. 
Every few days I send him an email or text asking how things are. He has told me several times that everything would be closed on time. Until it got to XX/XX/XXXX, then he promised it would be finished by XX/XX/XXXX. Now here we are, XX/XX/XXXX, with still no set closing date. 
I made an agreement with the owner of the property that I would have to pay {$40.00} per day that the loan goes past the closing date in XX/XX/XXXX. This Chip knew, but still he does not seem to know what he is doing even though he is the branch manager. I could understand this taking one month or even two. But we are into month 4. To me this is ridiculous and I have no idea what else I can do to get him to move things along. 
I am a single mother with XXXX children. I am very lucky that I can even afford a home like this but this is causing unneeded XXXX to not only me, but my XXXX-year-old daughter who is worried that we will not have a home if this is n't finished quickly.
Consumer complaint received 2018-08-20
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. (WI)

An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.
Consumer complaint received 2018-09-05
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)

Hello. I am filling a complaint because I have submitted a dispute to Experian for a bankruptcy on my credit file. I asked them to investigate the information and if it was valid. They responded and told me that the courts verify the bankruptcy information. I wrote them a letter asking them to inform me of their method of verification they use to verify that this is correct on my credit file. They did not respond and simply said that the information was verified. I called the courts and a woman named XXXX informed me that the CRA do not verify with them ( XXXX Bankruptcy Court ). I am filing this complaint because i have a right to know their method of verification based on the FCRA and they will not provide it to me. I have attacthed a copy of the letter i sent them and pictures of the responses. I find it very hard to believe that Experian verifed this info in 3 days and over a holiday weekend ( XXXX XXXX ) at that. I do not believe they are treating me fairly in how they are verifying this supposed information and they are violating the FCRA by not providing their method of verification which I am entitled to.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (WV)

I have an Amazon Store Card through Synchrony Bank. I am a recent XXXX who took the XXXX in XX/XX/XXXX. Due to a overlap, I lost track of the time of the month and missed my payment. I have missed no other payments and have always been current. Resultantly, Synchrony Bank doubled my monthly payment, which I now can not afford. I am currently unemployed, being a recent student. I called Synchrony in an attempt to resolve this and was met with nothing but hostility and outright rudeness. I was told that my only option is to allow my account to lapse and write a mailing address that will take at least 30 days to process my request, at which point my account will be even further lapsed. They will offer no leniency and no meaningful solution. They will give me no details as to what options will be provided to me once I write to this address ( and seem to suggest that no relief will be provided ). All I asked for was flexibility, to allow me to pay my normal monthly rate and I was borderline mocked by their representatives. They have put me in a position where I have no choice but to fall further in debt and accumulate more late fees and interest.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.