davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

The account was opened on  XX/XX/XXXX  and never was provide the service by the sales person,  XXXX   XXXX  representing the merchant for the use of the credit card machine. In addition, I paid {$35.00} extra for an upgraded wireless credit card merchant processor . Again ne ver received the item. Since then the machine only functioned during the month of  XX/XX/XXXX  never again. I complained serval times to the sales rep,  XXXX   XXXX   ( ev ery month ) and was told that the company would replace the machine which never arrived and that the monthly service charges would be refunded. I was ignored and lied too continuously as no action to correct this matter was taken by the Merchant. I have also been charged an Annual fee of {$120.00}. I contacted their customer service on  XX/XX/XXXX  and spoke to  XXXX , also on  XX/XX/XXXX  and spoke to  XXXX  to complained about the Annual Fee and Monthly Charges as well as to complain about the credit card machine still not working and the sales rep not responding as promised. Both  XXXX  and  XXXX , Customer Service Reps advised that the company would refund the Annual fee and the monthly charges. I followed up again with their customer on  XX/XX/XXXX  and spoke with  XXXX  since the refund was not done.  XXXX  said that she would research what happened as their system showed I was to be refunded. She said that she would follow up with a response no later than  XX/XX/XXXX  but I never received a call back. I called again and spoke with  XXXX  on  XX/XX/XXXX  to explain the above was promised a replacement credit card machine which was received in  XX/XX/XXXX  and on  XX/XX/XXXX  the business was sold. I informed th e Sales Rep,   XXXX   XXXX  of the sale and completed a new agreement with the new owner of the business and that my lease agreement would be cancelled without penalty. The sales rep,  XXXX   XXXX  that same day the new account was signed with the new owner took the credit card machine that was assigned to me. The new owner received a new credit card machine later that week. I continue to receive calls and am being charged for services I no longer am responsible for. This unjust and criminal. As of  XX/XX/XXXX  the total amount taken from my back account is {$370.00}.
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My credit card is not applying the payments to my statement. I have made over the minimum payment required, yet i n  XX/XX/XXXX  and  XX/XX/XXXX  my statement balance is exactly the same amount. Capital One lowered my interest rate a bit, and I have not made any purchases. But, yet again my  XX/XX/XXXX  and  XX/XX/XXXX  balance are EXACTLY the same amount. This is not possible, I have been having issues with Capital One.  I called to complain about my minimum due and interest rate, after doing so, maybe a 3 days later all the sudden my credit card number was used by someone else? They issued a new card, now my payments do n't seem to being applied, my interest is questionable and the minimum due is very high compared to wh at Capital One ha s stated over the years and advertising.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I used a  Capital One  secure credit card to start building up my credit. I was asked for a deposit of {$100.00} to get a credit of {$200.00} at a rate of 24.99 %. I closed this ridiculous account, and I was expecting my deposite back, and it never came. I called them, but it is impossible to get a hold of anyone. I have n't been able to get my deposit back.
Consumer complaint received 2022-09-07
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. (PA)

On XX/XX/XXXX, I filed a dispute with Experian regarding an old collection account that they ( Experian ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, Experian notified me that the collection account was not removed because the company who reported it had certified to Experian that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I am writing to dispute a billing error in the amount of {$1600.00} on my account. Your company claims that payments that were due for the months of  XX/XX/XXXX and  XX/XX/XXXX  were unpaid. Collection fees were then added, which resulted in this disputed total. The amount is inaccurate because payments were, in fact, made for both of the aforementioned billing cycles.  <P/> This is a store credit card for Guitar Center. The account was owned by  XXXX   XXXX , from the time we opened the account on  XX/XX/XXXX  until it was transferred over to Synchrony in  XX/XX/XXXX . Payments were consistently made on time every month, even after Synchrony took over the account.  <P/> In  XX/XX/XXXX , I was contacted by Synchrony and told that my payment had not been received. After looking at my bank statement, I confirmed that the payment was received and taken out of my bank account for the same credit card account number that had been drafting my payments, even after  Synchrony had taken over the account. When I told a supervisor at Synchrony that I had proof of   payment, he told me to just pay it again, along with the late fees to make my account current. When I declined, I was told to check back the following week to see if they found the payment.  <P/> I called the following week, and a supervisor told me to fax proof of payment. I faxed proof on  XX/XX/XXXX . When I called to make sure it was received, I was told it was not. I called again the following month, and was told to fax it again, this time to  XXXX  different numbers. I faxed those on  XX/XX/XXXX , and was told once again that no one received my faxes. Frustrated with the fees that were accumulating and my fear that my payments would never be received, I asked if I could settle and pay off the account. I was told that I could not do this until my account was turned over to Synchronys collections department in 30 days. When I contacted them in 30 days, the debt had been sold to an outside collection agency that will not allow me to settle the debt without paying these unjust fees, and this false delinquency has been added to my credit report.
Consumer complaint received 2017-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

I sent money to the escrow account that was not applied to it and as a consequence of that my mortgage payment increased. The check clearly indicated that such should of been applied to my escrow account. The servicer in question is Plaza Home Mortgage. I am sending you a copy of the cancelled checks and print out of payment/escrow history. As you can see such payments were not applied.
Consumer complaint received 2023-01-27
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. (NV)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
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 is not mine
Company: ERC (GA)

I noticed there are continuing collections being posted to my XXXX credit report. These collections have been removed on two occasions already ( by : XXXX XXXXXX/XX/2016 and XXXXXX/XX/2016 ) .Now there is another collection from, ENHANCED RECOVERY CORP for the same amount of {$580.00} for equipment that was returned via the technician who installed XXXX @ XXXX XXXX XXXX XXXX XXXX on or around XXXX XXXX, 2016
Consumer complaint received 2017-06-26
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. (NC)

Whom It May Concern : I hope this email reaches you in good health and spirits. Back on Friday, XX/XX/XXXX, I received a FICO monitoring alert via my FICO monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX XXXX ( the original creditor ) who apologized for this mishap and withdrew the account from XXXX XXXX XXXX ( XXXX ) .Once the account was withdrawn, I reached out directly to XXXX to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, Equifax to date, still has not removed this account. I disputed this account 3 times ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) with Equifax, in which they came back stating that the information reporting is accurate. Again, I reached out to XXXX who indicated that they received the dispute from Equifax ( electronically ) and replied instructing them to delete the account each time. However, Equifax continues to report the investigation results of the information reporting is verified and accurate. So it appears that XXXX is blaming Equifax and Equifax is blaming XXXX. So I submitted another dispute to Equifax, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, Equifax continues to report this account as being valid. I have attached all of the same documentation that I submitted to Equifax. I feel that Equifax is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to Equifax, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.
Consumer complaint received 2017-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (WV)

Company : Credit Acceptance Corporation -  XXXX  MI  XXXX  I received a notarized/registered letter, stating that we are in default on a contractual payment with them for a   XXXX    XXXX   XXXX . We are not in default,, the payment is automatically withdrawn monthly, so I called Credit Acceptance Corporation to advise them of this. They did confirm that the letter was an error, and we were not late on any payments regarding this vehicle, and never have been. The reason we got the letter was because of the state and area we live in, said the supervisor. This is discrimination at its finest, I feel that it falls under harassment and I want something done about it. As well, I asked for an apology letter so I could have that in my file, was told " they do n't do that. '' Hmmm??? They can take the time to pay someone to type a discriminate letter and notary but can not simply type an apology letter, when a mistake has been made? Not acceptable! I feel they needed to check to see where the money was coming from before sending a letter of this magnitude out. Tells me that their accounting department is not reliable, read some other customer comments, which confirms the belief.  <P/> Action taken by me : I called Credit Acceptance Corporation to discuss this notarized/registered letter. I spoke with a supervisor and he informed me that the reason I received the letter was due to the state/area I live in. Very unprofessional and discrimitive.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc. (IL)

Between  XXXX   XXXX ,  2017  and  XXXX   XXXX  a collection was added to my account with no written notice that this account would be added.     Per law  15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2017-06-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (ME)

A second mortgage was taken by myself and wif e  XX/XX/XXXX . we ma de payments until  XX/XX/XXXX , when I lost my job and we separated. the house was foreclosed and the second mortgage was discharged XX/XX/XXXX .The loan was originally  XXXX  dollars. My wife had her share, {$9000.00} reduced to {$7000.00}. On XX/XX/XXXX  a court ordered judgment of {$11000.00} on me to {$20.00} a week. The  XXXX  they reduced my wife they added to me. They garnished {$1000.00} for 17 years totaling {$17000.00}. That {$8600.00} interest on a dischared loan.
Consumer complaint received 2017-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

There is a XXXX XXXX XXXX tax lien that I have been battling with XXXX and Equifax to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for Equifax and XXXX to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and XXXX wants it to be deleted after satisfaction, please compel these Bureau to delete the record. XXXX
Consumer complaint received 2022-09-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

On XX/XX/2022 SPS Servicing received a payoff check in the amount {$14000.00}. They did not apply these funds to the loan to payoff the balance, they put the amount in an unapplied principle balance account. Several additional payments were made between XX/XX/XXXX and the month of XXXX before on XX/XX/2022 they applied the remaining balance in the account towards the loan, bringing the loan to a close. In XXXX of this year I received a letter stating that the loan was paid off in full and that a release of lien was sent to my county of residence. I sent a request to SPS customer service disputing the payoff process, that the funds should have been applied when received. It also stated all payments received after XX/XX/XXXX should be refunded. A letter dated XX/XX/XXXX with their response to my inquiry, which in essence stated that they processed the payment correctly and that there was nothing further that they could do. I also received a letter dated XX/XX/XXXX that stated that they were reversing the loan payoff amount that was received on XX/XX/XXXX, 3 months after they applied that same balance towards the remaining balance on the account. I believe that he payment reversal was done in retaliation of my complaining about this payoff process. As of today 's date, the mortgage is showing a balance of {$14000.00}. I have spent several months calling this company asking for help getting the mortgage paid off, I was given the runaround numerous times, and given misinformation which only prolonged this process, which is still not even completed.
Consumer complaint received 2022-03-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gitsit Solutions, LLC. (IL)

I was notified that a debt that was incurred for personal family and household use- which i recently found out is an already prepaid item - had been charged off thus the company had been paid. I began received notices from XXXX companies stating that I owed them a debt - HOW DID THEY GET MY INFORMATION i never contracted with them, I never provided my information to them, I never gave my express permission for them to have my information. However, acting in honor, i requested information to prove the claim that i owed them anything and to prove that there had even been full disclosure and a meeting of the minds to create a contract - after 30 days of non response i sent them a cease and desist letter with a second opportunity for them to provide the info- they not only IGNORED MY REQUEST FOR INFORMATION but notified me that their response to my cease and desist notice was being sent through the United States Postal Service. Upon receipt of their certified mail response, it contained a threat - " notice of default and intent to accelerate and foreclose '' and " a notice of right to cure '' and were both manipulative and threatening and violates my rights under the consumer protection laws and violates Regulation Z. My affidavit and notice to cease and desist and request for debt validation and information request were never even addressed and no information was provided by them to prove their claim. They appear to be attempting to retaliate against me by asking them to abide by the law. They are trying to manipulate with to enter into a contract with them by manipulation and threats. I even went as far as to inform them that just in case this debt for personal household and family use were proven to be valid, I told them that all payments were being held in an escrow account so that they would know that I was acting in honor. They are still trying to contract with me even after i informed that I do not consent and rescind any known or unknown contracts that were not fully disclosed and agreed upon that may have been mistakenly or inadvertently established between us.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IN)

There currently an account with XXXX/Comenity/XXXX/XXXX that is reporting in error on my credit files that does not belong to me/ At this time, I have requested for the company to provide me information regarding the account and validation of it belonging to me. As of XXXX they have failed to do so.
Consumer complaint received 2017-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank calls nearly 20 times daily, starting at  XXXX  on behalf of Walmart. After being told that I am unable to pay right this minute and that I will get everything caught up with in 2 weeks, they continue to call from many different numbers. After blocking the visible phone numbers, they 've started calling from unknown caller id. So far just this morning they have already called 6 times wishing 2 ho urs.
Consumer complaint received 2017-06-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC (CA)

I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.