davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I bought a water heater from Lowe 's and used a zero percent credit card to finance it. Attached is a spreadsheet that enumerates what was charged to my credit card. The re-billing and crediting was not authorized by me. And, as you can see it does not add up to the total on my credit card. My balance is higher by {$51.00} the exact amount of my direct delivery credit. The store claims that I WAS owed that credit and that I DID get it. 
I have attached the reconciliation and a copy of my most recent statement proving the discrepancy. 

I am tired of being lied to and misdirected. I want this unauthorized change removed from my card. The total interest free period is about to be up and I will NOT pay interest on the {$51.00}, which I have not intention of paying. 

Please help me resolve this issue. I think these people are crooks. 
XXXX XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

My wallet was stolen and someone has been fraudulent charges and hospital bills from XXXX XXXX XXXX  and XXXX XXXX of the XXXX who are sharing and selling a debt that I have no knowledge of also a XXXX XXXX address in XXXX XXXX XXXX I have knowledge of my whole life is in shambles and I'm trying to pick up the pieces and move on I need help
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

My original complaint on XX/XX/XXXX ( # XXXX ) was closed yet the issue is still not resolved so I am opening a second complaint for the same issue. This was my first complaint : There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX XXXX As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/XXXX. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure! 

This is the response by New Rex to my complaint stated on XX/XX/XXXX : Ms. XXXX, On behalf of NewRez Processing Management Team, we apologize for the delay and oversight in sending your {$200.00} courtesy gift card. As you have requested, we have mailed your gift card on XX/XX/XXXX. Our offering of the gift card was due to your unsatisfactory experience with delays in closing your loan. 

It has been well over a month now and I still have not received the promised {$200.00} gift card. What is going on? This is beyond ridiculous now
Consumer complaint received 2017-02-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I had XXXX Bank of America savings accounts. Both had a XXXX in them, and I really did n't check them very often. I checked XXXX last week because I noticed the balance looked lower than it was before. It turns out that since XX/XX/XXXX, Bank of America had been charging me a $ XXXX monthly maintenance fee. They said to avoid the fee I could have a balance of over {$300.00}. I was annoyed that I was being charged the maintenance fee since XXXX and only just now realized it, but it was n't a big deal to me as long as the fee stopped from now on. Yesterday, I checked the account to find another {$5.00} maintenance fee. This time, I called Bank of America because I did not even want the savings account anyway. I spoke to them, told them it was dishonest to charge this fee without letting me know, and that I wanted to close the accounts and get a credit for the fees since XX/XX/XXXX. The customer service was incredibly nice and helpful, closing the accounts as I requested - but they said only the fee from yesterday could be reversed. I 'm a little annoyed about this and why I was n't informed, but they said they informed me on my statement XX/XX/XXXX that charges would start taking place after XX/XX/XXXX. But first, charges did n't take place until XX/XX/XXXX ( they said there is a 3 month grace period ) ; second, it was on the very last page of a XXXX-page statement ; and finally, I do n't actually read my statement because I do paperless statements so there 's never a reason to do it. To make things worse, they had actually changed my checking account a few months ago and sent me a specific email saying they did that. Why did n't they do the same for the savings account? Customer service implied that the regulations say they have to do that for checking accounts but not savings accounts. That is dishonest and a terrible way to do business.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
Consumer complaint received 2017-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I was contacted about a payday loan i was harrassed on my telephone ... i felt i was treated unfairly i atated to man i was  XXXX  he stated unless u got ssi  XXXX  u are not  XXXX  i stated that was on   XXXX   XXXX   XXXX   ... ..He ask how was making ends me i stated i stayed low income housing ... .He said so u living off the system..He kept harrassing so i clicked the telephone on him. He called i explained he has no right to talk to me like that ... So finally i blocked the calls. I understand i have to pay the loan i said i could borrow some money to make a payment he said no he waa going with a civil suit so his client get there money ... I was harrassed terribly im human he didnt talk to me like that ...
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 )

( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Consumer complaint received 2016-12-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I have transferred {$100.00} to my friend using Chase quickpay on XX/XX/2016, even I got the transaction number XXXX, but my friend did not received it. So I called the bank to help me find out where is my money and asked the representative to show me proof that the money was sent to XXXX XXXX XXXX. However, I was not given any evidence to show that the money was sent to XXXX XXXX XXXX until today, I am still missing {$100.00} in my account. And a representative of XXXX XXXX XXXX asked me to prove the money was sent to XXXX XXXX XXXX. Otherwise they can not help me find where the money went. 
Thank you very much. 
XXXX XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX   XXXX  has been reporting a debt on my credit report. I have yet to receive  one notice from them in regards to the debt at my address. This also means that I was  not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today    XX/XX/2017    that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.
Consumer complaint received 2021-01-18
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. (CO)

I have on three separate occasions asked XXXX, Equifax and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CO)

Credence Resource Management LLC has sent me letters stating that they are illegally trying to collect on a debt that can not be verified per law. I have asked repeatedly that they either provide proper documentation or stop collection practices. They sent me a letter again with nothing more than a Bill page from XXXX. This does not meet FDCRA practices and it is violates section 609 of the FCRA as original documentation to support the account must be provided. No contract with signature showing this is mine has been provided. When calling the original creditor they have verified that the social security number on the account is not even mine. Credence Resource is attempting to try to hurt me financially without just cause. They refuse to stop contacting me as I have informed them in writing either supply what I have asked or remove the account and move on. As of today an official complaint has been filed with the State Attorney Generals office in Texas. I am now asking that the CFPB investigate their illegal collection practices. Remember the law is very straight forward on Collection Practices. I have repeatedly asked for the original contract that they must have on file and they refuse my request or simply ignore it. This debt is not mine, I am not going to pay it and yet they keep harassing me over this.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding has been calling me dozens of times a day. They use spoofed phone numbers, with area codes from all over the country, so that it is impossible to block their calls. 

They've also obtained a private XXXX XXXX phone number of mine that they were not given permission to use.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (OR)

I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during XXXX.
Consumer complaint received 2021-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

To whom it may concern, I am in the process of selling my house and I have a settlement tomorrow XX/XX/21. There are 2 open HELOCS on the property which belong to the prior owner from 17 years ago. The title company XXXX and I have been trying to reach the lien release department at PenFed for the past 4 weeks in order to get letters of satisfaction issued in order to proceed to settlement. We have not heard from them and they do not respond to calls or emails. If these letters are not received in time for settlement, I will not be able to close on the property and I will be in default. I will also incur the cost of another mortgage and miss the payments for my credit cards. The reason for the sale is that I have been unemployed since the start of Covid and I was planning to use the proceeds from the sale to pay off my debt which is piling up. This matter is urgent and I would appreciate it if you could look into this promptly. Thank you.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (VA)

I sent a check for {$1300.00} to pay off the balance on my discovercard. AFTER I verified that it was paid in full XXXX days after the check was cashed, I notified my bill pay service ( XXXX ) to pay the entire balance monthly in the future. For reasons I do not understand another check was sent for the same amount. This is what the bill payment company was advised was the balance. I called discovercard and was told that it would be XXXX weeks before they could return the minus balance to me. I am a widow on a fixed income and that would be hard for me, which I explained. The rep said she would send a request for a review for a lower interest rate which I did Not ask for. I suggested that I get a cash advance and deposit it in my checking account. She said that was a good idea but they would charge XXXX % ( about {$70.00} ) to retrieve my own money, I was not asking for a credit advance from them. I felt that I had no choice but to do this. I have had an account with them since XX/XX/1987. If I was asking for an advance of their money I would gladly pay.. but this was a minus balance that they never should have taken from my checking account. Then I received a rude letter declining to lower my interest rate for bogus reasons, ( remember I did not ask for this ) and they had made an inquiry without my permission which I think effects my credit. My communications have been curt as though I never should have expected a timely refund of my own funds. I am closing my account with them, they do not care. I have a {$10000.00}. limit with them which indicates they thought I was credit worthy. I expect nothing but wish to " tell someone '' and you are it! XXXX
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I had the sate of Washington unemployment say I owed {$3300.00} in 2011 I sent them the paperwork proving I do n't. They sent me a paper stating I do not owe the money and it was up to me to get it off my credit report.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

XX/XX/XXXX my husband and I cancelled a gym membership with XXXX. We were moving to a new home and would no longer be located near the gym. We were told that after one more deduction from our bank account the membership would be terminated. However, two months later we were still being charged. We then went up to the gym and were told somehow the cancellation was not showing on file and we needed to process another one so we did. During that time the owners changed to now XXXX XXXX. We were told that the membership would be cancelled immediately and were given tons of apologies this was on XXXX/XXXX/XXXX. Assuming the membership was cancelled the following month we saw another debit attempt to come out of our account ( overdrafting it by the way ) so I called the bank and cancelled the payment and blocked the gym from being able to debit from our account again as this was the only way we could think to stop it. 
Fast forward to XXXX XXXX and I receive an email from XXXX stating that NEITHER ACCOUNTS HAD BEEN CANCELLED. I then sent him and email back stating that we had cancelled the memberships twice and that we did not owe the XXXX dollars they were attempting to collect from us. After that I went up to the gym AGAIN and was told that the cancellations were on file and that it would take some time to show in the system and disregard the collection activity. Since we had been lied to before this did not settle well with us. I sent an email to the company stating that I was refusing any debt and would like someone to look into this matter immediately and remove our names from any collection activity. After further research we were told that actually my husbands membership had been cancelled but mine had not and after 90 days it would be sent to a collection agency and reported on my credit report. Needless to say it was. I have emails from them and myself to show that his matter has not been addressed and they are refusing to take this account off of my credit report even though my Page XXXX of XXXX husband and I cancelled on the same day at the same time and somehow his was cancelled and mine was not. This is unlawful and I have spoken with the credit reporting company called First Credit Services and get people who I can barely understand and they can barely understand me. I need someone to come in and help me with this nightmare and have my name taken off of their system and also off of my credit. I Called the company and that the only way it can be deleted is if I pay the total balance which from my understanding is also against the law. I have records of this dispute and have yet to have my grievance looked into. I believe this company lost records or something during their new owners transfer but I will not suffer because of it. We did everything right and everything they told us to.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

My wife and I never applied for any health related magazines or books. XXXX used to and now RMCB collection agency from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed us a letter for debt collection. 

This is fraud!
Consumer complaint received 2022-09-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have sent numerous certified mailings to XXXX and XXXX attempting to get the information for XXXX XXXX  and Portfolio Recovery to be corrected or removed. After almost two years of disputing it is still reporting incorrectly on both reports! 
XXXX does not list either account, thankfully. 
Attached at the two most recent credit reports, as you can see both have incorrect information. 
I have a security freeze on all credit reports due to this ongoing issue.