davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CT)

Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE (FL)

BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (CT)

I leased a XXXX in XXXX of XXXX. Upon lease ending in XXXX of XXXX I was notified that there was a end of lease balance in amount of {$2900.00} for over miladge. I had conversations with American Honda Finance regarding this amount and had setup a payment plan, as I was unable to pay the debt in full in one lump sum. I specifically asked the representative if This debt was reported to my credit. I was assured that it was not. I was advised that after a certain period of time the money owed would go to collections, which I again verified WOULD NOT REPORT TO CREDIT. I have since noticed that this amount Is in fact listed as a negative factor on my credit report. I have called up American Honda Financial at : XXXX and discussed this issue with a representative. I was now being given Conflicting information and told that once the debt goes to collections, it Does get reported to credit. I was absolute, complicit and clear in my original questioning of the weight of this debt. I am in the process of securing a loan for my family to get by, and my credit score is Extremely important. I am Shocked aand appauled by the total disregard for American Honda Financials lack of competence by its empoloyees. I find this practice Highly unfair, unethical, and also a reason that Truth in Lending, Nd Honest Credit reporting rules and regulations have been enacted. I further looked into feedback on American Honda Financial Services and have seen multiple similar complaints. 

Please work with me to get this issue straightened out with them. I am making payments as I am able to on this debt, and was mislead and deceived.
Consumer complaint received 2015-10-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IL)

the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off.
Consumer complaint received 2015-06-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

Court Case XXXX XXXX was a foreclosure case between HSBC and XXXX XXXX XXXX and not XXXX although XXXX XXXX XXXX represented XXXX. 
We were summoned to Court on XXXX XXXX, XXXX dealing with foreclosure. We havedocuments from XXXX showing that your relationship began with XXXX as XXXX XXXX XXXX and not XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX before a Sheriff sale you verified your sale from XXXX to theFederal Reserve Bank XXXX XXXX dismissing your involvement with us. 
On XXXX XXXX, XXXX you appeared again with a Sheriff sale. 
XXXX XXXX, XXXX HSBC received confirmation of your Sheriff Sale. 
We have no reason to address XXXX because you stated on many times thatyou were the owner. You simply as the owner has been able to fraudulently XXXX XXXX Mortgage in XXXX in Ok ) sell property on ( XXXX XXXX different occasions and thereforewe scream XXXX jeopardy and mortgage fraud. 
We have shown that no mortgage existed and therefore believe that HSBC owes usour Truth-in- Lending amount from XXXX of {$480000.00}.
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NJ)

I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund.
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (WA)

This debt was paid off in XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to XXXX XXXX.
Consumer complaint received 2016-08-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.
Consumer complaint received 2016-06-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Credit, Inc. (FL)

I received a message on my answering machine from Sentry Credit XXXX on XXXX XXXX at XXXX. Fast talking woman left message saying it was an attempt to collect a debt and to call her back at XXXX. I am a retired XXXX was breached and I am covered by an XXXX paid for by the XXXX. I get monthly updates and have access to all XXXX credit scoring reports from XXXX, XXXX and XXXX. I also receive my credit score each month with XXXX of my credit card bills. I am not behind or late on any payments I do not owe anyone any debts. I believe this is a scam credit collection.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (VA)

This is reference to Case number : XXXX. I sent a letter to Synchrony Bank requesting that they accept a {$500.00} payment to completely resolve this debt. I made a payment last month of {$750.00}. Over the course of 5 years, I 've made over {$3000.00} in payments on this card which thousands more than what was actually charged on the card. Synchrony Bank/Care Credit preys on the poor and offers quick solutions with unbelievably high interest that results in lenders staying in a cycle of never paying down their balance. When you 're told that you need XXXX done and you ca n't afford but there 's this card with no interest for the first 6 months, it sounds like a great idea. Had I known what I know now I would never have signed up for this card.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

I have a credit card with Sleepys that is through Synchrony Financial. Every month I have paid XXXX which is more than my minimum payment. I set up the payment to come automatically through my bank on the XXXX of each month. I unfortunately had not looked at my statements for over a year. I recently opened one up and noticed they charged me a late fee. I opened up old statements and found that they too had late fees associated with each payment even though the payment was received by them each month around the same time. I called to ask how I could be charged a late fee each month when I was paying each month, let alone that I was paying more than the minimum. 

I was told my payment had to be received before the due date each month and each month it was received after that date I was charged a late fee. I understand that the XXXX payment would be late, but is n't every payment after the XXXX one I was charged the late fee just early? I understand how the bank needs to charge late fees because they are not receiving a payment more than the minimum each month. The bank was getting more money than I was required to pay and they were charging me a late fee every month. 

This to me is a practice that is meant to maximize the amount they can charge the consumer rather than an attempt to recoup money due the company. It to me seems wrong. 

They assured me they were allowed to do this under the consumer protection act and they were following the law. If this indeed was the intent of the law then it is clearly a loop hole in the law so financial institutions can continue to charge excess late fees only to help their bottom line. Of the XXXX late fees I was charged they waived XXXX and assured me that was more than they had to do and I should be happy they were doing that.
Consumer complaint received 2016-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Business & Professional Collection Service Inc (NV)

have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

When Seterus took over as our lender after 17 years with XXXX Bank, they failed to send me a new escrow statement in XXXX XXXX. It was mailed to an individual that I do not know in a different city. I found this out just last month when a copy of the statement was provided to me from Seterus. I had expected a statement in the mail to my home address but never was sent XXXX. In XXXX XXXX, I called to find out how much I owed, and Seterus refused to tell me over the phone. I sent in a payment in XXXX XXXX for the amount that XXXX had previously told me to pay. After several letter writings to Seterus, we were finally told the correct amount to send in. We continue to not receive monthly statements from Seterus and instead were told we could find this out over the phone. 
In XXXX XXXX, I sent in XXXX checks ( mortgage payment and additional escrow payment ) with instructions, all in the same envelope. Only the additional escrow check was cashed. After two months of letter writing and faxes to authorize the release of the other check for the mortgage payment, the check was still not cashed. This check was for a different amount than what was required as I wanted the escrow shortage divided over 12 months rather than 4 years. The total of the XXXX checks was more than the required monthly mortgage payment. I ended up putting a stop payment on the check in XXXX XXXX and issued a replacement check for the same amount written as what was written on the original check to Seterus for the XXXX XXXX mortgage. This check was cashed in XXXX XXXX. I am still receiving demands for more money from Seterus yet our mortgage is current. Because of a lack of monthly statements from Seterus, it is difficult to determine what is going on with checks that I send in to them. We are told different information each time we write to their correspondence address.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (IL)

On XXXX XXXX, 2016 fraudulent charges in the amount of {$30.00} and {$35.00} were charged to XXXX. I noticed the charges a week later and made it clear I DID NOT MAKE THEM. Both Barclaycard and XXXX XXXX XXXX insist these charges are mine. There so called proof they showed me shows that the order was placed from XXXX on a day I was at work at XXXX XXXX XXXX XXXX, IL. The college books ordered are not mine. I am XXXX XXXX XXXX and not in school. I work at a XXXX and have explained I can prove where I was at. They are stalling me and not resolving this. I have sent a letter and also faxed it in detail yet this drags on. I can be reached at my cell phone XXXX.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (NV)

I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (WY)

I received a phone call from XXXX XXXX on XXXX XXXX, 2015. They told me that for my website to be ultimatley profitable that I needed to add some major marketing to my new website. They led me to believe that I had no other choice and gave me what they said was a good deal for {$8000.00} They would create a VIP Advertising Package for my online XXXX. They have not done anything. When i call the number, it just continues to ring. XXXX has not provided what is set fourth in the contract and therefore I should receive a full refund.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (PR)

I have been contacted on numerous times by phone and mail concerning an amount of money I allegedly owe. I do not recognize the firm that I allegedly owe this money to. 
I called last Thursday, XXXX XXXX, 2016 to get information and they asked me to call back today, Monday, XXXX XXXX, 2016, which I did. After being transferred to XXXX different people, they told me they could NY provide information as the account was under review but the would not tell me why. I told the last person I spoke to, a XXXX XXXX, that I wanted to settle the account for {$1500.00}, which is what I can afford at the time. They asked me to call again. 
I want this to be over! 

The firm is Midland Collection. 

Can you help me?
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. 
I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me and my rights under the FCRA. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Consumer complaint received 2016-01-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I got a letter from XXXX XXXX, XXXX. I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an RBS Citizens , N.A . account with XXXX # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NV)

This item has appeared on my credit report erroneously. I have requested debt validation several times beginning in XXXX 2015. I have received no debt validation however the agency consistently attempts to collect payment and falsely report on my credit bureau reports with XXXX, XXXX, and XXXX. I feel helpless and experiencing extreme harm to my livelihood in terms of my credit.