davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

I paid an extra {$250.00} payment online on XX/XX/XXXX and I figured since the account was paid up to date, the funds would be applied to principal only. The payment ended up being processed with principal AND interest. 

After noticing that is what happened, I called One Main between the dates of XX/XX/XXXX and XX/XX/XXXX to find out why it was applied that way and spoke with an agent named XXXX ( whom I can no longer trust ). After asking her why was it applied that way, she advised she didn't know. She stated in order to do principal only payments, I had to call in. Making it MORE DIFFICULT to pay the loan off earlier. This is unfair and it is also deceptive to have the option to pay online with no disclosure given prior to making the payment that we CAN NOT pay principal only. 

XXXX was of no assistance that particular day, ESPECIALLY because I asked for the amount that went to interest to be taken out of my account and applied as principal only. She took the payment ( so I thought ), asked me to hold so she can set up recording for my confirmation of the payment, came back to the phone and the payment never posted and it never came out. 

I called them back on XX/XX/XXXX because the money never came out of my account. XXXX answered the phone and I asked to speak with someone else after she was extremely rude in the way she answered my questions. Once again, using " I don't know '' as an answer for my questions. I asked to speak to someone else and she placed someone on the line to take my payment. That person took the {$250.00} principal only payment from me and it was processed correctly. 

The company 's website is misleading and deceptive and it does not help in making principal only payments. XXXX needs to be trained on how to handle calls from clients regarding the online system. She doesn't know ANYTHING about it and she is also very rude. 

I ask that she gets more training and better yet One Main Financial get a better website to use. Otherwise, it leads me to believe they are intentionally trying to make it more difficult to pay the extra money towards principal from month to month. I shouldn't have to call ANYONE. It should just be that easy. This has to be some sort of violation of UDAAP or some other regulation.
Consumer complaint received 2022-08-29
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-11-21
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: AMERICAN EXPRESS COMPANY (IL)

XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-04-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We recently paid down the principle balance due on our HELOC in order to lower our monthly payment amount. When we could not obtain an accurate payment amount on the LOANCARE website, I called their customer service.

I placed three phone calls to the company.

1 ) ( XX/XX/XXXX ) - Reached a LOANCARE representative who stated I would be contacted by XX/XX/XXXX to gather information to " recast '' the loan.

2 ) (XX/XX/XXXX ) - No call ever came. I called LOANCARE again. The representative stated that the loan could not be recast because it was a variable rate, but that my payment amount would be recalculated on the new principle balance of {$60000.00}, loan due date of XX/XX/XXXX, and it would appear so in my next statement.

3 ) (XX/XX/XXXX ) - Received the HELOC statement and noticed that the loan had been recast by accelerating the contract due date to XX/XX/XXXX.

4 ) ( XX/XX/XXXX ) - Called LOANCARE. Representative told me that provision # 10 in the attached HELOC agreement, " allowed LOANCARE to make changes that unequivocally benefit you. '' LOANCARE has without contractual basis or cause, accelerated the loan term thereby materially violating the contract.

There is ABSOLUTELY no " unequivocal benefit '' to us to have the loan repayment terms accelerated.

1 ) The loan maturity or due date is XX/XX/XXXX, approximately 9 years from now.

2 ) The HELOC was sold to us as a 20 year home equity loan.

3 ) There is no acceleration clause in the contract.

4 ) The purpose of paying down the principle was to reduce our payment and we relied on the repayment terms of the contract maturity date.

5 ) Acceleration of the repayment period solely benefits the mortgagee.

6 ) It is pure fiction that we ( the mortgagor ) derive some " unequivocal benefit '' by having the repayment period accelerated.

7 ) Contrary to what LOANCARE representatives stated to me on the phone, LOANCARE can recast the variable rate HELOC and in fact has by recasting our HELOC maturity date to XX/XX/XXXX from XX/XX/XXXX.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-08-29
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. (MS)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

I took a payment onXX/XX/XXXX after that my account went under review and then I got an email saying my account was suspended and they were holding my money for 90 days. My client already use the service I provided and is happy with it and Square wont release my money
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources (GA)

I recently called and submitted a letter to XXXX XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX  XXXX XXXX  XXXX to remove the collection from my credit report until the debt is validated.
Consumer complaint received 2022-01-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$460.00} These accounts are on my Equifax credit report. 

They are paid. Remove them from my report. 
Dont just show them as closed. Remove them!
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. (NY)

Recently I pull my credit report and was surprised to see how inaccurate furnishing of information was damaging my credit score. After disputing the inaccuracy with both the furnisher and the reporting agencies, nothing has changed. The information I provided was valid and clearly shows inaccuracies being reported but the agency said it's accurate. It's alarming how you can clearly see inaccuracies yet nothing was done to correct or delete the information.
Consumer complaint received 2018-11-21
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Consumer complaint received 2019-01-19
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: EQUIFAX, INC. (TX)

I have written a request to Equifax Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Consumer complaint received 2018-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Navient will not release my co-signers. I have been paying them myself. They claim my payments are late and they cant be! They are issued by automatic withdrawal. First they said I need to pay 15 months and when I applied to release my co signers they said I only needed 12 months of payments. They still refused to release my co-signers. They are never consistent. They always get the wrong amount that I owe and call harassing my co-signers and me even when I have paid on time. My co-signers have complained and have I but nothing changes.
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

The following fraudulent entries appear on my ChexSystems report: 

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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have a XXXX XXXX credit card though Synchrony Bank which I rarely use. I made a small purchase in XX/XX/2018 because the store offered 50 % off if I used their card. I only realized yesterday that my account is past due. I did receive monthly statements via email and I acknowledge I didnt open them because I dont use the Card and some credit cards send a statement if you have no balance. Beyond the statements, I never once received a payment reminder or communication that my account was overdue. Even when I go back to the statements and my online account now, there is no indication or alert that the account is past due. When I called the credit card company today to rectify the situation ( I have been charged {$78.00} in late fees and my credit score has been impacted ), I found out that I had been sent to collections. Again, there has never been any communication that my account is past due and the rep acknowledged this on the phone and confirmed the monthly statements via email were the only form of communication I had received. The rep would not refund the late fees, but my biggest concern is the impact to my credit score which was over 800 before this happened. If I had received communication that my balance was due/overdue I would have paid immediately. The charge was {$33.00} and I could have very easily made that payment. I dont think I received adequate communication from Synchrony bank and have been impacted negatively in terms of late fees and credit score. Not so paid the full amount due including late fees yesterday as soon as Inrealized what was going on.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AR)

On XX/XX/XXXX, I received a phone call from XXXX. It was a woman on the other end who claimed to be an agent with a company called Transworld Systems INC stating I was being called about a debt I owe to XXXX that was sent to collections. She started asking me to verify my information and I told her I dont owe them anything my bills have been paid through them and my amount owed on the previous account with XXXX had already been paid in full. She asked me to provide a reference number to verify the payment and asked me to verify my information. I refused. I told her I was going to call XXXX directly and handle it with them and hung up. I called XXXX and was informed the balance was transferred to my new account and they could see where I had already paid this bill and did not currently owe a balance on my account. The XXXX agent told me she was not familiar with the company Transworld Systems INC either and verified that account balance was transferred to my new account then paid off in full. She told me she was making a note on my account of this information. I then received a letter in the mail on XX/XX/XXXX from that was sent out on XX/XX/XXXX from Transworld Systems INC. telling me again they are trying to collect a debt I owe to XXXX XXXX. I called XXXX again today ( XX/XX/XXXX ) and was told again they are not familiar with this company, and my account is paid in full. The balance from the other account was transferred to my new account and paid in full.
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (ID)

I had a couple of accounts with XXXX XXXX. I entered an arrangement with XXXX XXXX XXXX to consolidate my bills and make one monthly payment. The accounts with XXXX XXXX were included as a part of that consolidation. XXXX has refused to acknowledge my requests to stop calling me at work ( I've told them repeatedly I can not take these types of calls at work ) and continues to call and threaten me at work. Recently, they started also calling my ex-husband about my debt. We've been divorced for over 30 years, so I have no idea how they even got his number. I don't even have his number! On XX/XX/XXXX, I emailed XXXX XXXX and asked them to only contact me through written communications - either email or physical mail. On XX/XX/XXXX, they called me at work and also called my ex husband and left him a message about my debt. Today, XX/XX/XXXX, they left a message on my ex-husband 's phone, which he recorded and sent to me via XXXX messenger. Transcribed, the message reads as follows : " My name is XXXX XXXX and I'm with XXXX XXXX. XXXX, I've been asked to reach out to with with one last attempt to try and resolve this matter that you do have here with our bank. I would really like to have an opportunity to speak with you about the options that you do have, and it would be my pleasure to assist you. I definitely want to stop the escalations that are now coming. But in order for me to assist you, I need you to give me the courtesy of returning my call TODAY. My number is XXXX. My direct extension is XXXX. This matter is time sensitive and it requires an immediate response today. Without your response, the bank is now ready to take necessary steps and resolve the matter legally. And just to be fair, I should also advise you that the call has been documented as my attempt to assist you voluntarily. My number is XXXX. My extension is XXXX. '' This exact same message including the mispronunciation ( axed for asked ) was also left on my work voice mail today while I was in a meeting. My ex also told me via XXXX messenger that he has received repeated phone calls from them and that he blocks all the numbers from which they call. I don't dispute that I owe money to XXXX, but they absolutely have no right to call me at work after I've told them I can't take calls like that at work and they have NO RIGHT to contact a man from whom I've been divorced since XXXX to try to collect this debt, especially when they have also been informed of my arrangements for debt consolidation.
Consumer complaint received 2019-01-28
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: Experian Information Solutions Inc. (NC)

My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.