davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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. (PA)

I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS.

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was violently carjacked in DC and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with Cross Country after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault.

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXX, female combat veteran and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact Veteran Affairs, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (TX)

The fore more mentioned credit collection agency representing XXXX COLLECTIONS has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX   and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt. '' If WAYPOINT GROUP does not have any documentation, they need to retract this from my credit profile immediately.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN XXXX DAYS.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (OK)

around XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX at XXXX  XXXX in XXXX. They had me approved with Santander Consumer USA. I didn't have great credit then and still don't today. The problem lies I didn't realize how the loan was going to work when i signed. I learned later that this was going to be i guess an interest first type loan. ( Sub-prime ) I started with the Total loan amount was {$17000.00}. There have been times i have fallen behind and struggled to pay. its only recently i begun to investigate this company and have learned that there have been a lot of practices like this from their company. As of XXXX of XXXX I have now paid of {$28000.00} and still have a balance of {$5700.00} Remaining on the loan. The car is no longer XXXX worthy and i'm having to drive a family members car right now. This loan is causing so many problems because it feels that it will never be paid off. I feel this company took advantage of me with their predatory lending practices and loan terms That i truly didn't fully understand at the time of purchase. I'm Not sure what the CFPB can do here but i do know that have been enforcement actions in other states. I am beyond frustrated that i have paid in so much and still have a debt that remains. Please help
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am making a notice to this credit card that the charges were run up to nearly {$6000.00} by my husband to spite me as I am going through a divorce and overall difficult time. I had to move back with my parents and I simply can't make the necessary payments. I request that the authorized user come off if he has not already. If there is a reasonable settlement that can be offered, please call me at the posted phone number and I will give you my divorce attorney 's contact information. Thank you. XXXX XXXX
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

XXXX XXXX who is merely only a collection manager at Advanced Collection Bureau seems to believe he is correct that these debts belong to me. He then goes on to tell me and put me in duress by telling me it is my responsibility to provide a proper mailing address. This is a threat to me and this is coercing me and putting me in duress! I do provide proper mailing addresses. It is on the duty of the Post Office and Letter Carriers to ensure proper delivery or to ensure notices are left for items which contain signatures if not present. However, the Post Office and Letter Carrier failed. XXXX XXXX has failed improperly reporting these accounts with multiple inaccuracies. With that being said XXXX XXXX needs to know that these debts belong to my ex spouse. And who is XXXX XXXX to me as there is that signature relating to the contract? You can clearly see my name has only been used but I have not signed! When did I undergo all these surgeries? I will report Fraud and Identity theft and XXXX XXXX will be held liable if these accounts are not removed. There is no more room for negotiation! XXXX XXXX is only acting on hearsay! My information was used without my consent! See the attached PDF. How can XXXX XXXX by law legally say I owe these debts?
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has illegally denied my right to avoid foreclosure under the CA Homeowner Bill of Rights for NO VALID reason. 

The offer submitted is in line with the value that SPS did on the home. There is NO reason to deny my short sale. 

2nd lien holder has a foreclosure sale date scheduled for XX/XX/21. I will hold SPS personally and legally liable for all issues relating to legal fees and credit reporting damage associated to that action.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I signed for my daughter to have XXXX  work. Comenity Capital Bank provided a credit card with the amount owed. My daughter defaulted after accumulating {$450.00} in late fees and {$670.00} in " promo charges '' and {$1400.00} in finance charges in XXXX years. 
When I contacted Comenity Capital Bank by phone on XX/XX/2020 an employee named XXXX ( employee id # XXXX ) agreed to accept {$3400.00} to close the account ; however, the company will not give me any proof of acceptance before I pay that amount. 
I have been advised that I shouldn't pay anything until I get some sort of documentation that it will be accepted as final payment, but Comenity refuses and continues to add additional charges. I sent them letters in XXXX and XXXX outlining what is stated above, but to no avail. They say its " Not company policy '' to give me any proof before I pay the agreed amount. 
I'm XXXX years old and did not know until XXXX XXXX months ago that Comenity was charging my daughter 28 % interest plus " promo fees '' plus finance charges plus XXXX late fees in 24 months. I am still willing to withdraw the {$3400.00} from my savings if I can get confirmation that it will be accepted as final payment and close the account. 
Thank you for whatever help that you may give me in this matter. 
Sincerely yours.
Consumer complaint received 2020-02-18
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: DISCOVER BANK (NY)

In XX/XX/XXXX I had a dispute opened for {$48.00}. I never received any information from Discover about the status of the dispute via letter or email. I just recalled the dispute in XX/XX/XXXX and see that the dispute was found in the merchants favor. I received no contact from discover regarding this at all. The purchase was made through XXXX but the merchant was a different party XXXX. The items I purchased were not working on arrival but the merchant provided no way to return the items. The website has no return address and when I emailed the merchant multiple times they did not respond. After I opened the dispute the merchant eventually provided a returned address but no label or anything. I returned the items 2 weeks later and paid shipping out of pocket. No refund from the merchant. No communication from discover regarding the dispute. Additionally, I provided an extensive amount of proof to discover that was ignored. Apparently Discover disputes purchases made through third parties like XXXX through the third party and not directly with the merchant which means no objective investigation can actually be done into the validity of my dispute other than to them requesting a proof of authorization from XXXX. My dispute was immediately closed without any further investigation because they reported to XXXX that I was disputing the purchase on the basis of it being unauthorized, which is NOT what I disputed.After contracting XXXX twice they confirmed that the information discover gave them indicated the transaction in question was UNAUTHORIZED, I did not file the dispute as an unauthorized purchase and as a result of this I can no longer file a dispute with XXXX. As I have been told multiple times from different representatives at discover, they can not directly contact the merchant, it must be done through XXXX. So as a result of their incompetence I'm left with no remedy as the dispute was closed by discover and XXXX can not undo the banks decision. Ive tried multiple times to get the dispute reopened by discover as at least I would then be able to go through XXXX and they could contact the merchant and verify the validity of my dispute but that option is no longer open to me as paypal can't reopen the dispute only discover and they have refused to do so despite it being the fault of their incompetent dispute team.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc (TN)

Requested proof of debt, including any documents I signed stating I would pay the debt on top of outrageous interest charges. They told me several times they were attorneys over the phone. They have called me for 4 years even through the pandemic. Very rude and aggressive over the phone and have yet to send me anything verifying I actually owe anything.
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC (NY)

I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX and XXXX  ; XXXX XXXX  and most importantly XXXX. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

Complete Payment Recovery Services , Inc. is attempting to collect a debt on behalf of XXXX. We are a business and do use XXXX 's services but I've confirmed with XXXX there is no debt due and they do not use this third party to collect debts. In fact, if you drop or do not renew services then it just drops, no debt is owed. 
Complete Payment Recovery Services , Inc . 
XXXX XXXX XXXX, XXXX, AL. XXXX. XXXX. First, contacted me on I believe XX/XX/XXXX-20 by telephone, stating it was attempt to collect payment amount {$90.00}. I also received a letter a couple days later, and then a third call XX/XX/XXXX-20.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

On XX/XX/21, I submitted a mortgage payment online ( {$1600.00} ). I believed I had turned off the auto-pay through the app, but I turned out to be wrong. I observed in my checking account that another payment was set to clear on XX/XX/21. The app was misleading in my opinion ( I work in the financial services space and still didn't figure it out ). I contacted the company immediately ( XXXX ) before the payment cleared. The customer service rep said she would try to reverse the payment, but, failing that, they would send me a check to refund the duplicate payment. To date, I have still not received the check. I called two times to check on the status and was told the refund check was issued on XXXX. The fourth time I called about this issue ( on XXXX ), I learned they had the wrong apartment number. The apartment number was corrected, and I asked the check to be expedited. The fifth time I called ( XXXX ), I was told that the check went out on XXXX. As of yesterday ( XXXX ), I still have not received the check. This has punched a hole in my finances. I applied for and was granted a forbearance last month. Attached is a screenshot of the misleading app. ( I was told the draft date, which is the payment due date, is different than the period to which the draft applies. The app should simply make clear whether autopay is ON or OFF. )
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

Macys/DSNB # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

This collection agency ( Midland Credit Management ) continues to call me despite me demanding it cease all calls, communication as I am NOT the person whom it seeks! 

Calls were received as follows : XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX [ point I'd informed it to cease calls, etc. ]
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with   XXXX   XXXX   sheriff 's office. I had n't heard anymore until  X/X/ 17   when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.
Consumer complaint received 2021-11-17
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: Bread Financial Holdings, Inc. (FL)

I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (TX)

Upgrade credit line company took an extra {$2900.00} from my account over three weeks ago and refuse to refund the money. My account is paid in full, and this is a double payment which should not have occurred. 

When I call and speak to customer service, including a supervisor, they refuse to give me any information and keep saying its a process. After multiple attempts to get a resolution, they still have not refunded my money, and they keep saying they are waiting for management approval, which never comes.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

NewRez customer service representations continue to provide incorrect and untrue information to mortgage holders. On XX/XX/12, I called NewRez customer service to arrange a check to be mailed out for half of XXXX and XXXX payments. The representative stated no payments were showing for XXXX. This was untrue as I had sent a check overnight to NewRez which they received and applied to the mortgage according to my bank. I told the representative this information and the representative repeated no payments were showing in XXXX. Having dealt with NewRez customer services inconsistency before, I hung up and called back where I spoke to another NewRez representative who confirmed that XXXX payments had been received and applied. This is a continuing problem with NewRez customer service. Incorrect and untrue information continues to be told to mortgage holders. This is in addition to a previous phone call when a NewRez representative stated notes showed I had make a payment over the phone which was also untrue. All of my payments have been made online or by mail.
Consumer complaint received 2017-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (SD)

my last payment w as   XXXX    2016. I saw  a ad vertisement for help in paying your payday loan. I called them support advocacy  XXXX . They took over my  XXXX  payday loans and dicuss the matter to them. I paid  XXXX  every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have  XXXX  charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel  XXXX  charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the  2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you