davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (WA)

I had a credit card from XXXX and they had a problem when I was in the store with their register. This resulted in multiple charges for the same purchase. They told me it was resolved.
Suddenly I get a letter with the amount of the transaction in collections from Sentry Credit in XXXX, Washington.
I went to their website and found the option to send a dispute message and I did this. I never received a response from them. This was inXX/XX/XXXX After two weeks, I decided to pay the charge and then try to dispute it through the credit bureaus.
I sent the payment by certified letter and asked them for a response to the dispute and then to at least credit the payment.
I never heard from them even after receiving proof that they signed for the payment. I am attaching the certified letter receipt from XX/XX/XXXX when the check was sent.
I then called them and got a very rude person who was not helpful in any way until I got forceful. He then told me that they had received the payment but that it was in storage because they could not show that it was paid while it was in dispute.
Until this day I have never received any correspondence from them and this was nearly 7 seven months ago!
It continues to show up on my credit as not paid and now as a chargeoff!
I called last week and they said they did n't know what I was talking about.
I do not know how to resolve this problem even though I have proof that they signed for the receipt of the money order for {$130.00}.
It is obvious that they are trying to hurt my credit and that they have no intentions to resolve this problem.
I have now had problems getting credit because of this small situation that I tried to resolve immediately.
My address at the time of this situation was different than now : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar mortgage is not applying payments automatically to our " amount due ''. Rather, they are treating certain electronic payments as 'principal payments ' or essentially bonus payments leaving us with a late fee and an unpaid bill. This is beyond absurd. We made our monthly required payment and it should *automatically* go towards our amount due. Had we neglected to look at our monthly statement we would have missed the fact that we incurred an {$80.00} late fee. *****One ca n't help but wonder how many unsuspecting customers of nationstar are being hit with such fees unbeknownst to them. I encourage your agency to look into this matter further.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and TransUnion Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, TransUnion and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of  Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, XXXX and TransUnion to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter ; Balance reported {$6800.00}
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc. (LA)

While going through the process of a refi we discovered my wife had an unpaid debt from a period while we were legally divorced. We agreed the debt was valid but had never received notice of it 's existence. When we contacted the collector ( XXXX, from LOUISIANA RECOVERY SERVICE in XXXX, Louisiana ) they were not receptive to settling the debt for anything less than it 's actual amount. That was satisfactory because we concur it was owed. We made clear we wanted it deleted and not simply marked paid. The collector stated he would remove the debt after it was paid in full, but within 45 to 60 days, or for an {$11.00} deletion fee, he could delete it within a week. We agreed to that as well but asked to have that agreement in writing before sending payment. He stated that it was their policy not to send such agreements in advance. He stated he was bound by federal law to follow through on any promises made. He went on to state the conversation was recorded and that would be my proof. I disagreed, arguing I had no access to his recordings. I informed him I wished to call an attorney friend for advice before going forward. My attorney friend advised me to insist on a written agreement. When I called back approximately 5 minutes later, he again resisted and informed me there would be an additional transaction fee of {$7.00}. I became increasingly uncomfortable as he repeated the disclosure statement : " this is a call from a debt collector and is being recorded '' before answering any additional questions asked. This sent up a red flag indicating to me there would n't be continuity in his recordings if we ever needed them recalled. It was simply odd and absurd he would keep making that statement. We informed him we would call back the following day to reach an agreement in the presence of an attorney. He is resistant to that now too, not answering either my wife 's or my phone. I contacted the BBB with a complaint and sent him a certified letter the next day outlining my concerns. I also advised him, I 'd be contacting the FTC as well. That brings me here now.
Consumer complaint received 2017-07-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AC AutoPay LLC, Denver, CO Branch (TN)

We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX  we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KMT Group, LLC (NY)

In XX/XX/XXXX I lost my job and couldn't pay on an unsecured installment loan from XXXX. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XX/XX/XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So the day of XXXX XXXX,2017 I went to withdraw a somewhat big amount but was denied and the lady behind the counter told me was blocked and probably said it could be because you made a small purchase at. Such place then a big might still be processing and they 'd think that 's sketchy and I thought that was all bad so she gave me a number where tocall and I did got told that it will be closed did n't say a reason and told me I could withdraw my balance yet o went back to the branch and was told no I could not and they too called for it and I was like well I spoke to one she said I could withdraw he said no until it 's reviewed then it 'll be assign to someone and you can then call and see what is going on.
Consumer complaint received 2018-01-30
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. (MD)

I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX. Please have XXXX XXXX XXXX remove from my Experian credit report. Someone has been using my social security number and they 're a lot coming up on my Experian. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hewitt-Capital (MS)

Someone name XXXX from XXXX XXXX XXXX called my parents home listing my name and last 4 digits of my SSN taking they attempted to serve some papers to my home and if I didnt contact them in the next 24 hours they would contact me on my job.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (NJ)

1 ) Credit Card Company - " GAP Silver Visa Card '' - " Synchrony Bank '' abruptly closed by Credit Card without giving any prior notice / call / email. Also reason for account closure given by bank ( as per below point # 3 ) never mentioned or discussed by agent earlier 2 ) Bank Closed my  card/account around XX/XX/XXXX to XX/XX/XXXX and I tried to use that 2-3 times during that week to get - a. XXXX XXXX XXXX XXXX ( For my family member who suffered from XXXX XXXX in month of XX/XX/XXXX ) b. Grocery Items c. other important stuff d. Also account closure impacted me heavily as this card is linked to my Car Insurance/Kids Day Care Fees/ Online Shopping Website etc. 3 ) After contacting to Customer Care ( Telephone ) - 2-3 times between XX/XX/XXXX- XX/XX/XXXX - they gave me unacceptable reason of closure of credit card. Reason I 've got == My Bank - which is holding my Checking + Saving Account has been rejected 2 Payments for Month of XX/XX/XXXX ( for Amt. - {$5000.00} ) and Month of XX/XX/XXXX ( for Amt.- {$1000.00} ) 4 ) When I checked my credit card account balance - it was showing balance - {$490.00} as of XX/XX/XXXX with Due Date XX/XX/XXXX - and I 've cleared that balance on same day. I requested Synchrony Bank to reopen by account as it could be some issue with my checking account during that time and those payments were already processed with balance of {$550.00}. Not sure why there was difference of some $ with respect to due amount - {$490.00} as I did final payment of {$550.00} on XX/XX/XXXX.. FYI - Current Outstanding balance is XXXX ( As of XX/XX/XXXX ) 5 ) If Bank is not able to re-open my account then I requested them to Transfer or Adjust my Cash Reward Points which was around {$400.00} as I am using this Card for approx. 5 Years i.e. from XX/XX/XXXX..Also my Credit limit was {$9300.00} and always used this Card for all type of purchase with full utilization ; which has benefited synchrony bank 6 ) I 've got very un-professional answers and they informed - their software system is not having account reopen feature and it 's impossible to re-open account & adjust my cash reward. Also I understood that bank does not have email id / digital process / telephone process to log complaint or reach to any senior person 7 ) I was most valued customer for last 5+ year with Credit Score XXXX and still bank is not able to re-open or adjust my cash reward points. We loved GAP showrooms and we would like to continue shopping there via GAP cards but after this kind of treatment we need to stop the GAP shopping.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

We paid off the debt, which happened to be an oversight on our part regarding a hospital bill which we thought had already been paid, and PMS ( http : //pmscollects.com/index.html ) has been fully compensated for the amount ( ~ {$500.00} ).
Since this has been paid, we expected them to discharge this from active status on my credit report. I spoke to a manager ( male who would not provide his name ) on XXXX XXXX, 2017 and he promised to resolve the matter with the credit reporting bureaus as well as send a letter to us confirming that it was resolved.
However, we never received a letter and the account still shows as active on my credit report. In addition, this was resolved more than a year ago.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 136 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not oweXXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Consumer complaint received 2018-01-30
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MD)

I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the Navient company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to Navient. Consistently, the Navient Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XX/XX/XXXX but XX/XX/XXXX as well. I have contacted Navient by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because Navient  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

THIS HAS TO DO WITH " XXXX & EQUIFAX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS XXXX/XXXX XXXX XXXX  ON XXXX REPORT AND ON EQUIFAX IT 'S LISTED UNDER XXXX XXXX XXXX XXXX. THEY SHOW THE ACCOUNT CLOSED SINCE XXXX/XXXX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.