davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

We refinanced our home on XX/XX/XXXX. Upon closing our documents read the first payment would be due on XX/XX/XXXX. We our first loan doc in the mail on XX/XX/XXXX from our new mortgage holder CMG mortgage inc had a due date of XX/XX/XXXX. We called to verify if we needed to make a payment for XXXX because our closing docs stated a first payment date would be due that month. A representative from CMG mortgage inc told us on the phone that no payment was due in XXXX and dont worry about making a payment until XX/XX/XXXX. This is also what our first statement read - payment due date - XX/XX/XXXX When we called to make what we thought was our first payment for XXXX we were told we were already a month behind and now need to make two payments. Again the only statement we received had a due date of XX/XX/XXXX and this was verbally confirmed from CMG Mortgage Inc. I believe this was very misleading and CMG Mortgage inc was unwilling to move the payment to the  back of the loan or do anything for this situation other than state we needed to make both payments.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

I canceled XXXX XXXX XXXX XXXX in XXXX after a 2 month period due to excessive monthly increases and retained another Auto insurer. They are charging me for a month I was covered by another Auto insurer.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : ACC # # XXXX, Opened Date XX/XX/XXXX ; Limit {$7000.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have received calls in the past and each time ask them verbally to not contact me via phone. I have recently received 3 phones calls in the past two months. Each time I have informed them to not contact me again. Today the lady was rude and wanted to argue with me in regards to the law of a verbal cease order. She told me that each time I have asked them to quit calling that they have noted the account? Somehow they didnt stop because I am still receiving calls. I informed her that I was filing a complaint this time because they are repeatedly ignoring my requests to not contact me via phone. The company is Portfolio Recovery and the number that contacted me today was XXXX.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with XXXX XXXX in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : CHASE CARD # XXXX. Opened Date XX/XX/XXXX, Balance {$0.00}, Limit {$1600.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NV)

I have called several times plus faxed in a copy of my cashed check for {$2800.00} that they cashed on XX/XX/XXXX. They still claim on XX/XX/XXXX that I have not made a payment. Barclays XXXX XXXX  Credit Card has shut off my account for new charges. I never missed a payment in full ever since I have had this card. I talked to a customer service person named XXXX who couldn't get a manager on the line after waiting 57 minutes on the line.I sent in a check for {$5700.00} on XX/XX/XXXX overnighted with the Post Office because it was going to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. I have documentation of this being delivered on XX/XX/XXXX. It cost me {$25.00} to do so and they never posted the payment. 

My credit score has gone down because of these bad practices of accounting. Also they been charging my account with late fees and interest while holding my money for almost a month. Please note there are two attachments supporting this.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2019 I went to XXXX  to change and pay for my membership fee. I was told to contact the credit company associated with XXXX  ( XXXX Mastercard from XXXX XXXX  ) to link up the XXXX card with the credit card. I spoke to a representative from the credit card company and told her to link up the cards. Instead she activated the two cards that were coming through the mail and deactivated the cards I had with me. She insisted on doing this and created a problem with me and my Wife 's card. Now I had no cards to use and was furious with this. I called back to fix the issue instead it created more problems that I wanted. The supervisor tried to reactivated the card that was deactivated and that didn't work. Now instead of getting two cards that were activated in the mail I got one good and the other not working. So again I had to call and get another set of cards sent to me and was told when I activate these two one will work and the other won't work. So I listened to the supervisor and the card that was working stop working and the one he told me to cut up would have worked but I listened to him and got me all screwed up. Now I have one card working mine and my wife 's not working. I waiting for another set of cards that should have come today according to the representative. I complained so much that I sick over this. I was compensated {$20.00} which I find an insult to my intelligence. They will not budge on a resolution.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2019-09-27
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. (CA)

We have multiple credit card accounts that are fraudulent showing up on a Experian credit report. We were told to file a report at identitytheft.gov and upload it at Experian website to get the accounts removed from our account. But the upload feature does not work. We have less than 7 days to get our escrow complete but can not due to Experian 's credit report. The only way is to mail it in but will take 30 days. Experian is running a business that supports fraudulent activity. Then they make people go through hoops with very little support. It's like a Catch-22, you need them to get financed but if there are any issues, you can not get it resolved. They allow themselves to get hacked, which led to consumers getting identity thefted, and in the end will pay more in financing costs. I would not be surprise if Experian gets paid by financial institutions to make things difficult and more expensive for consumers. They need to have a speedy process to clear up identity theft or any issues especially if they are the ones providing information on consumers.
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018,  asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.
Consumer complaint received 2024-03-06
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX XXXX XXXX This is a formal complaint that Equifax been reporting inaccurate and incomplete account information to my credit file. I am distressed that Equifax have included the referenced inaccurate information on my credit profile. Equifax have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full with letter of deletion From XXXX XXXX XXXX and should not be reflecting negative on my credit files. XXXX XXXX XXXX has also expressed Efforts in reaching out in regards to this matter with no response. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate. This is affecting my efforts in gaining residency.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

Back In XX/XX/2019 was hospitalized for a preexisting condition that became worse.I was in the hospital for over 3 months. when I finally was able to get in contact with Target credit card. they had advised to me that my account had been sent to a collection agency due to non payment. I tired to get in contact with the bank that Fiances the Target Credit card, however when my information would be authenticated it would directly send me to a collection agency. I had an extremely difficult time trying to get a hold of the customer service department for XXXX XXXX the financer for the target card. I was told that they were only able to waive one fee and that since the account was closed that I would have to speak to the collection agency and handle this with them. I called them and explain the circumstances to why I was calling and they told me that there was nothing they could. I myself work for a XXXX Company and understand that in certain situations we are able to clear and help customers out in the same situation that I was just in.normally in a situation like this we would go through the account and Rehab the customers account to ADJ any fees and or min payment ADJ so the customer would be able to once again have an account open or if not able to at least the customer knew that we would make an arrangement with them to pay the balance on the card with not an accumulation of fees and int. due to a customer having an illness, death, or any outside circumstance that a customer would not a direct control over.
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

I made a payment back in XXXX, overage I thought but it wasn't applied to my regular payment schedule as I thought it would be. 
Next in XXXX right before a payment was due, I lost a second job helping with my expenditures for the summer as I have been able to try and maintain since a separation of my husband and myself. ( XXXX ). 
One payment was placed to the rear of the plan and I was able to catch up. 
I have been reading a bit of the payment information online and how they can help in life 's emergencies. I found other employment in XXXX, but trying to get back on track has been/ is hard. 
What's unacceptable and extremely hard to take are the DAILY/NIGHTLY calls they make even if I've given my paydates and every attempt to keep them informed or pay something. 
I know the vehicles are GPS equipped ... but let me walk in my house first before you call. Let me have an evening to myself after XXXX. These type aggressive approaches aren't necessary and I don't respond to harassing aggression and overly negative tones the caller usually have. 
Next, my husband and I purchased the vehicle XXXX. I haven't had too many issues just some days floated past the agreed upon due date but paid non the less, just now with the employment break and finding a new one has put me behind a couple of payments and husband and I have separated again so no extra help. 
Just the practices and thought of them calling references ESPECIALLY after we've talked and I haven't left the area breathes impatient unwarranted harassment. References spoke to people ( family ) known. Nothing their responsible for. 
Please check into the XXXX, Texas, or XXXX XXXX, Texas locations, etc and see if we can reach a medium. 
Thank you.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MI)

1. ONEMAIN FINANCIAL 2. XXXX XXXX XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Consumer complaint received 2024-03-06
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. (FL)

XXXXXXXX XXXX XXXX, Account:XXXX Balance : XXXX, This account is fraudulent. I Never authorize this account. Never used the account. Never sign any documents for this account. Never Sing any online document showing my IP Address or location for this account. I never took advantage of this account. There is no proof that attached me to this account. 

I am a victim of fraud and identity theft. There is someone unknown to me that has used my personal information for diverse purposes including but not limited to obtaining financial services, credit accounts, utilities, insurance, etc. Taxes may be filed on my name in my current or other jurisdictions in the United States.
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

I made a purchase using the XXXX 's XXXX XXXX XXXX XXXX XXXX credit card on XX/XX/23 for {$1400.00}. It was set up for paperless statements, and the first statement went to spam and I missed it. I logged in to check on when the payment was due on XX/XX/23 and saw I had been charged a late fee. I called and explained, and the late fee was waived. I searched the entire website to try and find auto payments and alerts to avoid this problem in the future. There were no options available on the website for this, so I set up manual monthly payments in the amount of $ XXXX, well above the minimum payment due. 

My error was that I set the first payment for a month out, which was 5 days after the due date each month. I thought I had set everything up correctly. I went to the website today to check the balance, and saw that I had been charged {$41.00} in late fees and {$2.00} in interest charges every month since May. I never received a late notice, either written or email, and the statements for this account went to a spam/junk folder. 

I feel the website is intentionally set up in such a way as to deter customers from protecting themselves from late fees and interest charges by not making the auto pay and alert/notification options available. When I contacted the company to explain what happened and ask them to waive the late fees, they refused. I am out {$210.00} in late fees.
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX  # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have been with USAA for several years. I recently switched my banking over to USAA. For weeks they have asked for documentation and ID. All of which I supplied multiple times. On the XXXX without any notice other than the same email I have responded to they froze my checking and savings accounts. I did not get one phone call to my cell or home. I do not have 1 voicemail from USAA. I do not have a USAA number in a blocked list or anything. I called them, supplied the documents again that they wanted. Called back instantly to make sure those were received. USAA has had everything they need for the last 3 days and yet after more than 9 calls and escalations my accounts remain frozen. I can not get my medications or food or pay bills. My bills are being returned and Im getting fees and USAA says I have to wait for the back office to release the hold and the only way they can communicate with this back office is via email. I have been paying my insurance bills for years and not one issue with identity as long as they are taking your money. I have even had my father who is next of kin supply documents and his XXXX and license and still here I sit going into day four with no access to my checking or savings accounts because I was just told I have to wait till the back office gets to me because Im not next in line. I would understand if there was something going on but there isnt and they have what they need and basically I have to wait until USAA decides I can have access back to my own money! I was told they do this to everyone and if I had known that then I would of never ever switched banks to USAA. I have called everyday explaining the urgency in me seeing my dr for my XXXX meds and I had to reschedule 3 times costing me {$50.00} that I cant pay right now either. Once they got what they asked for my accounts should of been unfrozen immediately. Im not a new customer I have been one for like 10 years. They need to stop doing this to people without making sure they have made contact with someone. A call and voicemails would of been nice to my house and cell none of wish I can locate and I have searched all call history extensively. They send an email to an app I may not login to that day and its not specific either. Its the same one theyve sent over and over. I need access to my account immediately. I need food and to pay bills. Im racking up fees and late fees. Is USAA going to pay the {$50.00} to XXXX dr or late fees to cap one or anyone else? I shouldnt be waiting 4 days to access my funds.