davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (TX)

The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.
Consumer complaint received 2022-07-08
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: WELLS FARGO & COMPANY (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have been paying XXXX XXXX for almost a year. None of this money has gone to my student loans. They offered me forgiveness of my loan by paying them XXXX a month. My student loans increased, and XXXX just keeps taking money from me each month. It really seems like a scam. Please contact me about this matter. XXXX. Thank you.
Consumer complaint received 2018-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit file I have come across information reported from the XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX and again on XX/XX/XXXX I spoke with XXXX and XXXX at XXXX XXXX XXXX XXXX   and was informed that all my accounts were current in the amount, however, an account in the amount XXXX and XXXX has never been late because it does not exist. XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed. XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and they both informed me that these 2 accounts don't exist however the ones that I do have are current and never been late. Yet your credit reporting agency is still reporting this inaccurate fraud and based on XXXX its non-existing info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6600.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans mentioned above do not exist or could be a result of identity theft as I have been a victim of. I will be forced to sue Transunion id these accounts that are a result of identity theft continue to be reported onto my file.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I have a credit card with XXXX 's XXXX XXXX. I have called them on several occasions I don't have the dates. The most recent interaction I had with them is XX/XX/XXXX. During this conversation I asked why the balance on my acct hasn't decreased. In XX/XX/XXXX I had a balance of XXXX I made a payment of XXXX dollars and the balance decreased by a small amount. I called then and was told the payment was mostly applied to interest. I stopped making purchases I closed the account from making purchases. I have made my payments on time and pay more than the minimum. Since XXXX of this year I have made payments totalling XXXX dollars and the balance is only XXXX. The representative I spoke with told me XXXX dollars went to interest. Then he continues to say the same ridiculous line the other have said. You signed the contract. You can pay the balance in full to avoid interest. It's the most disgusting display of a company I have ever seen.
Consumer complaint received 2018-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I contacted two representatives on two separate occasions in order to get this rectified at ALLY. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company ALLY continue to report a balance and OPEN account.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

In good faith, rough draft abstract, and with all due respect, I have made payment to my XXXX ( XXXX ) American Express XXXX " XXXX '' ) on about XX/XX/XXXX via our new bank, XXXX XXXX. Payment instruments were XXXX XXXX XXXX XXXX XXXX XXXX 's checks, first thought to be XXXX money orders, since we did not have new bank account checks issued for our new accounts. Prior to XX/XX/XXXX I was unaware of my payments missing if not for XXXX 's rude staff being extremely, unprofessionally, and immaturely disrespectful to my fiancee by phone. Since then per our legally documented calls, XXXX has been unfairly rude, though less so upon me calling XXXX personally and especially after I reported said credible warranted concerns regarding missing payments and disrespectful XXXX staff. 
For context, please note that I have been an XXXX card holder for over 10 years in good standing without even XXXX late payment. Prior to current membership, I was an XXXX cardholder over over 10 years after I voluntarily cancelled my numerous accounts in XXXX prior to the American Great Recession. In footnote, I am a survivor of identity theft as my XXXX Alerts on my credit reports affirm. 
Since in good faith we made payment on time with XXXX, it is reasonable to expect as an equal human being for us to be treated with equal respect, including while we provide XXXX Bank the necessary industry standard time to research the missing payments. XXXX does not want to hear it. treating us as if we are criminals and have a chronic history of late payments or fraudulent claims with XXXX. 
We reserve the equal right to permit XXXX bank the necessary time to complete its investigation, including who cashed the payments, for it could easily be XXXX, for they are not moral saints incapable of making mistakes. Either way, XXXX promised not to charge any late fees, but they lied. Then upon question only credit the fee with the XXXX XXXX. While the XXXX XXXX is still pending a late waiver I cancelled the card without XXXX even trying to respect and preserve the professional relationship despite my incontrovertible innocence. Missing payments is not a crime. Moreover, XXXX is wrongfully demanding full payment on the account even on new XXXX card charges as if we owe XXXX of thousands of dollars. In fact the XXXX balance is {$210.00} excluding the {$27.00} late fee. And the XXXX XXXX is {$810.00}, when in fact the missing payment was only {$210.00} and change that was paid {$250.00} on XX/XX/XXXX. And the only payment due this cycle is {$450.00}, though XXXX is demanding all payment. Again, treating us as criminals. And as if XXXX has the right to disrespect us as if we are unworthy of respect and our equal humanity and rights.
Consumer complaint received 2018-08-28
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: WELLS FARGO & COMPANY (AZ)

I would like to reopen case # XXXX which was a charge of {$1200.00} taken by a clinic to do a XXXX on me, XXXX failed and they called the police to force me not to come back to the clinic, so they refuse correction and they even refused to followup on the XXXX. I contacted Wells Fargo and filled complaint against them and at the end Wells Fargo as usual did not do anything and offering {$300.00} instead of investigating the theft from the clinic. I paid this clinic {$1200.00} and the XXXX failed and they called the police to force me not to come to them again, so they refused to correct or even follow up on the XXXX and Wells Fargo did nothing. The lady from Wells Fargo called me on the phone and refused to listen and was in huge hurry to hang up even though my husband tried to explain to her the documents we sent and wants to check if she received them but she completely refuse to listen to him even though I told her I am giving him the permission to talk to her but because she wants to hangup she refused to talk and this illegal because both me and my husband are on the same credit card account. Wells Fargo does not follow the credit customer protection rules which entitle the customer to get his money if the service provider did not do the service as in my case, I got XXXX certified surgeons letters stating the XXXX must be repeated and I have a police report that the clinic pressed a charge on me not to come to the clinic so they refused the followup and the XXXX correction and they sent Wells Fargo a letter saying that they did the XXXX and they scratched with black marker what was the service and guess what Wells Fargo to continue his illegal action did not ask for explanation on why they black marker the procedure and why the called the police instead XXXX offered {$300.00} so I can shut up, but as I said which is expected from this bank she was in sever hurry to hang up, also she promised a XXXX will call me and no one did, I have the information and proof about this lady from XXXX that broke all rules of credit card and called me and not listen to a single word from me or my husband.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2018-08-28
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: General Motors Financial Company, Inc. (CA)

I received a copy of my Credit Report from all 3 credit bureaus and noticed an erroneous charge reporting from GM Financial in which they said I owed. I've since reached out to them on XX/XX/2018, regarding VERIFICATION of this debt and amount in which they said I owed per the FDCPA guidelines. I have also asked the credit bureaus to do an investigation on the matter as well via disputes sent. The only responses I get from them is that the they do not know what it is i'm disputing when my letter clearly outlines what I need from them. The item has since come back VERIFIED and I've received no PROOF and/or documentation from either side regarding this charge despite reaching out multiple times to GM Financial and their reporting on my credit report is highly impacting my creditworthiness. I do not believe this debt belongs to me and until I can be provided proper documentation via a signed signature, e-signature, or proof of indebtedness I would like this to be completely REMOVED from all 3 credit bureaus immediately or my next step will be legal action.
Consumer complaint received 2018-08-28
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Somebody named chexsystems inc is telling people to not give me a checking account, I did not authorize this chexsystems to collect data on me or to report on me
Consumer complaint received 2018-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Dear Freedom Mortgage, Your demand for {$2100.00} shows that you failing to credit moneys received. This brings the amount moneys you have demanded in the last 27 days to XXXX. Based on you letters and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose, so you may profit  from the foreclosure of loans and property. It is very clear that your company want to refinance this loan, the contestant barrage of mail to refinance and the calls to my employment to solicit me to refinance this loan. Assuming 3 days for mail your letter was not mailed before Wednesday the XXXX of XXXX, whereas the XXXX was a Sunday it is doubtful that the letter was written on the XXXX. I find your company actions to show that your employees are without integrity. 
Freedom Mortgage shall provide an accounting of all funds received and dispersed from the inception of the loan showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made.
Consumer complaint received 2018-08-28
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: JPMORGAN CHASE & CO. (CA)

Somebody named XXXX XXXX is telling people to not give me a checking account, I did not authorize this XXXX to collect data on me or to report on me
Consumer complaint received 2021-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Hi Navient is showing variable amounts of interest for my student loan with a fixed rate. when I called on XX/XX/21 and spoke to them they couldn't explain the variance to me. For example my account history on their site shows the following amounts for last three months XX/XX/21 $ XXXX $ XXXX XXXX XXXX XX/XX/21 $ XXXX {$360.00} XXXX $ XXXX XX/XX/21 $ XXXX {$140.00} XXXX $ XXXX As you can see these amounts are representative of a fixed rate loan. Please look into this issue and provide support... thank you
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois ) This collections entity is using data and sending information to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankruptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & XXXX  ALL information and discharge info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employment and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal. 

This is discrimination and violates civil and financial and privacy ( all types ) rights for me any MANY other citizens/consumers. 

cc : Attorney Illinois States Atty FDRC SEC
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX XXXXXXXX XXXX reported that I was 30 days past for the month of XXXXXX/XX/XXXX to all three credit bureaus. I was not 30 days past due. I was past due but not 30 days. They also reported that I was 30 days past due for the month of XX/XX/XXXX, which I also, was not. I have attached my statements showing my payments were made within the reporting window and that extra payments were in fact made as well. They only reported that I was past due for XX/XX/XXXX to two of the three credit bureaus, XXXX and XXXX. They reported that I was on time for XXXX. 

Also, in XX/XX/XXXX they reported that I was 30 days late to XXXX. They reported that I was on time to XXXX for that same month. Again, I did pay past the due date however, I was not thirty days late. I have spoken with them on three different occasions and they refuse to correct this information. On one occasion I was advised that I was not 30 days late but that since my account was paid past the due date that it was within their rights to report that I was past thirty days. On another occasion the representative agreed with me but said there was nothing he could do but send me a print out of my payment history which I could provide to my mortgage lender, and on the last occasion I was advised that I had been late other months from the year prior and should just leave it alone.This is  impacting my credit unfairly and it is false reporting.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OR)

My loan was transferred to Flagstar Bank in XXXX, MI for an XX/XX/XXXX payment. Flagstar 's system wasn't set up to accept any payments until XX/XX/XXXX. In the meantime, they did the following : 1.  Provided conflicting information about my RESPA protection and not being subject to late fees or credit reporting for 60 days. One customer service rep said that I didn't have to make any payment for 60 days. The other said that I had to meet my regular payments 2. Starting XX/XX/XXXX, they sent me and my wife daily or twice a day robo calls to their debt services line even though I had no debt 3. Sent one letter about my RESPA protections and sent a subsequent letter saying that I would be subject to late fees and reporting to credit bureaus within 30 days. They didn't admit those were conflicting letters I called Flagstar today with my complaint and they did not resolve it.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (WA)

Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

I purchased XXXX items from XXXX XXXX using my XXXX XXXX credit card. The first purchase was on XX/XX/17 in the amount of {$740.00}. I chose the " no interest with payments for XXXX months '' promotion. The second item I purchased on XX/XX/XXXX in the amount of {$290.00}. I chose the " no interest with payments for XXXX months '' promotion. I'm making payments of double the minimum payment due. However, none of my payments are being applied to my promotional balances, which have accrued almost {$200.00} in deferred interest. When I called XXXX XXXX, they said they were doing me a favor by only applying my payments to my regular ( non-promotional ) balance. They further said that they'd apply my payment to my promotional balance in the month that it was due to expire. That would mean that all these months I've been making payments, my promotional balances have not been reduced at all, and, to pay them off, I'll have to come up with the full amount of the original purchases the final month the promotions expire. So, the promotions mean nothing and they're scamming folks into taking these promotions when in fact they're just going to turn around and charge me almost XXXX % in interest when the promotion expires because they haven't applied any of my payments to the promotions.