davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I was on forbearance with my mortgage company XXXX sub-serviced by Loancare from XX/XX/XXXX to XX/XX/XXXX. I still made payments, only pushing out a few months until the next month. I was fully caught up XX/XX/XXXX and made extra principle payments. I knew that escrow could be a potential problem so I calculated sufficient funds each month. However, my loan servicer did not calculate correctly and my monthly payment began to fluctuate higher and higher each month. I called and talked with many agents, at least 20 times, and each time I was given different information. I asked specifically for the escrow department. I was given the run around and bounced around from department to department spending endless hours on the phone only to get to someone who acted like they did not understand the situation. On XX/XX/XXXX, I sent a detailed accounting spreadsheet of my escrow payments to XXXX Subserviced by LoanCare. I started at the beginning date of my loan XX/XX/XXXX with initial escrow payment at closing and charted all the way to my most current payment. My current balance is over {$6000.00}. XXXX Subserviced by LoanCare sent an annual escrow account statement dated XX/XX/XXXX with a balance of XXXX shortage and yet another increase to my monthly payment.
Consumer complaint received 2019-12-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (TX)

Sallie Mae will not stop contacting me about my brother 's debt. I am not a cosigner on his debt or in any way connected to his debt, and my brother never listed me as a contact or provided them with my information at all. This is a brand new phone number so I don't know how they even got it, but they called me to ask that I give them my parents contact information, which they already have correctly on file. They are harassing me and I have no connection to this debt whatsoever. When they called they did not state that their request for my parents contact info was in regards to any sort of debt, and they are required by law to state that their contact is with the express purpose of collecting a debt and that any info received will be used for that purpose. 

They are also calling and harassing my uncle now, and he also has no connection to the debt and my brother never provided his contact information either. Their behavior is harassment and is in violation of my rights as well as that of my brother, uncle, and parents.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

Dear Sir/Madam : I am the victim of a violent crime, and have XXXX  XXXX of which I am working on. My salary as a XXXX went from $ XXXXmonth to $ XXXX/month in XXXX XXXX Disability payments. XXXX XXXX WORKED with me during the extreme hardship with a balance over the {$500.00} limit, I only had to pay three ( 3 ) {$50.00} payments to put my balance at XXXX. 

I phone Synchrony Bank, regarding my Care Credit Card over and over and over. To include today, XX/XX/XXXX. On XX/XX/XXXX I was attacked unfortunately by a XXXX Driver. It is a Battery case. I phoned Care Credit ( Synchrony Bank ) SEVERAL times ignorantly hopefully expecting them to work with me as XXXX XXXX DID. They offered me a plan of " {$61.00} '' a month for 6 months due on the XX/XX/XXXX. Let me EMPHASIZE due on the XX/XX/XXXX. Unfortunately and obviously I can not pay the {$61.00} for 6 months nor do my bi monthly XXXX deposits come regularly on " the XX/XX/XXXX. '' I was continuously frustrated by the XXXX women in Customer Service for both their lack of thinking out side of the box and lack of empathy. To get to the point, on XX/XX/XXXX I made a full {$58.00} payment " TO KEEP MY ACCOUNT OPEN, '' as according to Customer Service. That was my food money. 
Then, in XX/XX/XXXX, I made a {$5.00} good faith payment. Two good faith payments. I just logged onto XXXX, and to my utter surprise, THEY CLOSED MY ACCOUNT. All of my efforts. All of my calls. All of my attempts to please work with me. The {$58.00} I sorely needed. I NEEDED THAT MONEY - all for naught. They have closed my account and have not even told me. I found out by looking at my report. 
I just spoke with a smug, unsympathetic robot, a man, in Escalation at the Bank. 

He was not interested in anything I had to say. 

I'm disgusted that during such enormous trauma, and with XXXX that I tried so hard and they just closed me. 

Shame on them. I wish I could close them. They NEVER offered to waive {$30.00} or {$37.00} fees, to assist me in catching up. They never offered anything to assist me. Now my account is closed. More trauma. Synchrony Bank you are bad people. I should have never even tried. 
You're not suffering from trauma. SHAME ON YOU for not keeping up with other credit cards, their empathy. You lack integrity.
Consumer complaint received 2023-01-07
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. (CA)

I had accepted a Settlement offer on a XXXX XXXX XXXX XXXX XXXX offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXXXXXX XXXX ( XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXXXXXX  Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA. 
I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. 
While at the store ( XXXX XXXX  where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. 
To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. 
This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from Tidewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. 
I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. 
Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

On XX/XX/2019 I was seen a charge appear on my credit card notification from a merchant I use often, XXXX. The charge was for {$440.00} and I immediately contacted XXXX customer service to let them know that I was not authorizing the purchase and that someone had my account information. The representative told me that I needed to contact my credit card company and I then called Fifth Third Bank ( 5/3 ), the credit card department, to inform them of the incident. 5/3 told me that I needed to file a dispute and but I had to wait for the charge to go from pending to posted on my account. 

Once the charge posted I contacted 5/3 again to open the dispute, they cancelled my credit card and sent me a new one. On XX/XX/2019 I noticed 5/3 added the charge to my new credit card and I immediately called the credit card company again to see why the charge was added on my account. The representative that took my call told me that I was seeing the charge on my account because they spoke to the merchant and the merchant agreed to refund the charge my card. I was told they didnt want me to receive two reimbursements so they had to add the {$440.00} back to my new card. The representative told me that that I would be seeing the XXXX credit appear in a few days which will balance out the charge being added back. 

As time went by I called 5/3 multiple time letting each representative know that I had not yet received the credit from the merchant and that the balance carried on the card was affecting my credit/debt ratio which ultimately affects my credit score. The  representative then told me that I was not receiving a credit because the dispute was closed as final. She told me that in order to get my credit I needed to reopen the dispute and send an email to XXXX letting the department know why the charge was not valid. I sent this email back on XX/XX/2019 and put my case number XXXX in the subject line. After sending this email I had to contact the company several times to inquire about the case and was told repeatedly that they never received the email. I then threatened to contact CFPB regarding how they were handling the case and I was connect to a supervisor who said the document was received and that they needed time to complete the investigation. 

Today is XX/XX/2019 and the charge of {$440.00} is still showing on my account. As a consumer I am not sure what there is left to do. I explained to the bank and the merchant that I was using the XXXX services often and I believe someone had intercepted my information. The merchant nor the bank is willing to fix this issue. I do not know what else to do.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX, account XXXXt # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy. 
15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/21, I gave my Capital One credit card and drivers license to the bartender for a running open tab. I had two legitimate charges for {$390.00} and {$1500.00} but found out a few weeks later the bartender had also run my card for {$3000.00} and again for {$7500.00} without my knowledge. These were not my charges and need to be removed from my bill. I have been dealing with Capital One the entire summer, first being told to submit to Visa as a dispute, then as fraud, then back to dispute. When the actual signed receipt for these two disputed charges was finally submitted by the merchant, you can clearly see it is not my signature, but since the merchant included a copy of my drivers license and credit card, Visa somehow considers it them legitimate charges and refuses to remove them.
Consumer complaint received 2019-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MD)

The offending company is Medicredit. They are claiming to be trying to collect a debt on behalf of XXXX XXXX XXXX. The amount they are falsely claiming is XXXX. However, my most recent statement from XXXX clearly shows a balance of XXXX. I sent a copy of the statement showing the XXXX  balance to Medicredit, but they replied by insisting that I owe the XXXX. I suspect fraud.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IL)

I have been harassed by XXXX XXXX credit unit. They call me all the time using unknown. I answer the first time and told them I wasnt able to pay because I was struggling to my bills and rent. they gave me a later day to pay but they still call me from Unknown everyday 5 times a day! This is harassment!
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent the letters on XX/XX/2022 and I'm hoping that this issue I'm having would be resolved by now but the company obviously won't act unless I seek help from consumer law experts. There are a lot of inaccuracies and errors in my report so please look into it.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XX/XX/19 Equifax freeze management has been down for over 24 hours during business hours. I've called numerous times and the agents just say the system is updating. 
How can this company keep my personal and private data without my permission or control? They can't keep it secure and they seem to have an anemic IT department incapable of providing the security and availability to my sensitive data. They should lose their right to keep my data. They have no government oversight and no obligation to those whose data they store. Essentially, they answer to no one. 
If I were entrusted with keeping my clients data safe, I would be fired, based on their performance. What are you doing to fix this issue?
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-27
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: Rozlin Financial Group, Inc. (IL)

Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MO)

Franklin Collection Service is trying to collect a debt that I don't owe. I have submitted a dispute to through the Credit Bureaus. I have not received any correspondences from this collection agency prior to this being put on my credit report. The previous collection agency that had this account removed it from the all the credit bureaus. I have repeated stated that I have never had an account with XXXX XXXX but they continue to send this false information to the credit bureaus ruining my credit score. The collection agency is Franklin Collection Service, XXXX XXXX XXXX XXXX, XXXX, MS XXXX.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX XXXX  store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX we started the process to refinance our mortgage with AmeriSave. We submitted all the requested info and was advised that our rate would be 2.875 and we would close within 45 days. After 45 days I was advised that we would be closing. 2 weeks later they were delaying the process by asking for items that had already been verified and claimed that the loan was locked. We were advised several times that they could not provide us with a disclosure indicating our request to lock the rate at 2.875 and was advised 3 days prior to closing it had been locked only to find out the closing had to be rescheduled to the following week. Once we asked to speak to a manager who called the day after our cancelled closing, The manager advised that the loan had not been locked the day after we had been scheduled to lock. We felt we were a victim of lies and asked that our application fees be refunded as we would not proceed. The customer service was awful and was personally insulted by the loan processor. This conversation was recorded the week of our closing. I recommend someone listen to this conversation. I felt lied to by this company and have requested that our application fee of {$500.00} be refunded. The manager I spoke to felt that indeed I was lied to and offered us {$2500.00} to go forward with the loan. I advised them I would be filing a complaint but they didnt seem to care. This is a form of bribery and feeling they were caught breaking some sort of disclosure law. The documents I had received prior to closing did not indicate a locked rate because it had not been locked therefore offering something that they didnt have! Upon further review I have noted that there have been several complaints against this company. The bait and switch needs to stop! I am requesting the {$500.00} non refundable application fee be issued to me immediately as I was lied and tricked into believing this was a reputable company. It is not!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-20
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX