davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

I paid on my Walmart credit card over the phone {$300.00} the minimum payment was {$25.00} on XXXX/XXXX/2015. I paid more than required and the rep told me I would n't have to make another payment for the next few months. I never received any past due notices or emails, however XXXX/XXXX/2015 I received an email and a letter a few days later that my credit line has increased. I also logged into my account earlier this month and it said payment due date XXXX/XXXX/2015. The website was very misleading and the representative misrepresented everything to me. The only reason I knew my account was delinquent is because XXXX XXXX sent me an email notifying me there was a change in my credit report.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Why am I paying {$500.00} plus a month for this private loan from Navient. This is ridiculous. Can I do something about this? Lost and fraustrated. What are my options here.. SOS. 

XXXX XXXX
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (MS)

I purchased an e-gift card and never received confirmation of the card being sent by email nor has the recipient received the e-gift card. My credit card used to purchase the e-gift card was charged immediately.
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony XXXX XXXX  XXXX XXXX, XXXX, CT XXXX Dear sir, I need to express my concern regarding the notice from XXXX today on the refund issued by XXXX XXXX  XXXX XXXX XXXX XXXX which amount is {$130.00}. I need to clarify that upon the decision to close the credit card of your company, I changed the payment method of XXXX to another credit card. Therefore, it is beyond my understanding why XXXX has decided to send the refunded amount {$130.00} to the closed credit card number ending XXXX. XXXX says that card issuer is processing refund to the card ending number XXXX. However, since I made sure that my card was closed by using my card at the shop. And I checked the online account of this credit card disappeared. And I paid off all remaining balance yesterday. I state the relationship between your company, and I is non-existing. Also, I tried to use the reward certificate, XXXX, and same as before, I could not use it at one shop, where I go often in XXXX, New Jersey. I want to clarify why your company can state to XXXX that your company, card issue, is processing refund to the closed account. Since your company insisted that my reward certificates had been used and your company employees and those who works at the shops, which relating with your company credit company, treated me as if I did fraud activity. The point is the account has been closed and it is impossible that your company has started the process of refunding. Since it relates with the owner of XXXX XXXX XXXX XXXX, I would like you to stop that process and return total amount to my XXXX account. Since this refund has started by the suspicious claim of the employee of XXXX, there is no issue which occur the refund itself has happened. That means there was no transactional problem between XXXX XXXX XXXX XXXX and I, XXXX XXXX. Therefore, the action of refund itself should be happened. If your company wish to pursue the responsibility of XXXX, it is fine and it's on your decision and responsibility. What I want to do is to return this claim of dispute on the owner of clinic from me to be cleared, as this employee looked to have stated to the owner and asked him to refund me, which I could not recognize, since the transaction itself does not exist. Before the action of his refund, we have agreed to return this amount of {$130.00} to him. I expected XXXX keep the credit in XXXX account, since I stated it the card on issue was closed ; however, the XXXX employee refunded to the credit card. And I do not have the credit itself in my XXXX account. Since you must have the credit of {$130.00} which should be mine, I request to return the amount of {$130.00} to me through my XXXX account. Then, I will proceed to return this amount of {$130.00}. There might be the suspicious activities by this XXXX employee. At this moment, I just want to receive back this {$130.00} from your company and return to the owner. 

Sincerely,
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, Trans Union and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (PA)

Earlier in 2021 I received a call from Miriamed Revenue Group indicating I had an outstanding debt with XXXX XXXX XXXX. I informed the agent calling that I believe I had already entered into a payment arrangement with another agency, therefore disputing the validity of the debt. I never received any information about my dispute, and months later learned they had placed the account on my credit bureau, lowering my score almost 30 points! 
Today, XXXX, I received another call from them. They told me they would be willing to settle my debt for 75 % of the balance, and if I paid, they would remove it from credit. 
The agent proceeded to over talk me, and tell me I am wrong as well. 
This agency never extended me credit, and it is clear now after this conversation, they placed this on my credit for one reason, as a weapon to use against me and force my hand to pay the debt. I will pay the debt, but i want this removed from my credit immediatley and I would like this company sanctioned.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Service International Corp (GA)

Under 15 USC 1692c ( c ), it is explicitly stated that upon the consumer 's notification to a debt collector of heir refusal to pay a debt, the debt collector must cease all communication. As such, I am exercising my right to request that all communication, whether in writing or by telephone, cease with immediate effect.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MI)

I have received a response from Sears/Citibank in response to a complaint I made against this company. This response was also copied to you. Case # XXXX. Because this is Citibank, they were allowed to Police themselves and to send to me a condescending response in which they did Not address my complaint. My complaint had Nothing to do with discrimination of which they seemed to want to concentrate on. My complaint was in regard to the Promotional Interest free ( within 18 months ) purchase I made. When I called to set up the Promotional Payments, they agreed to the terms I asked for in order for me to pay this balance off by the expiration date. I knew I had to continue to make payments on my regular account balance, but they NEVER informed me they were going to add that purchase into my regular account. Since I made that purchase, they have deceptively raised the required payment on the existing balance I had, and have charged me a higher interest rate on that balance, as they stack an additional interest balance on the side, in an attempt to cause me to not be able to pay this promotion off, by the expiration date. I do not understand why these companies are allowed to treat consumers in this manner. I am asking that you inestigate this matter yourselves, or is their no protection for consumers after all. I do not have Citibank money, but I do have a Brain, and I do pay my debts. I think what they are being allowed to do is absolutely foul. 
XXXX XXXX
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (NC)

Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home
Consumer complaint received 2017-01-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was contacted by Fidelity Creditor Services in the week of XX/XX/XXXX about a debt from XX/XX/2013 from XXXX, the amount is {$520.00} and I have XXXX never got a mail or letter or anything from XXXX before. Fidelity Creditor Services has reported the debt to my credit without obtaining verification or validation and they are trying to collect the money from me.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

I received my credit card statement with notice that 18.9 % rate is going up to 24.9 % XXXX/XXXX/16. If I do not agree to they will close the credit card which will impact my credit rating. It was done for spite because I filed complaints with your organization.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc. (NY)

I called the company to inform them of a new program FHA will be implementing by XX/XX/2024 which lowers mortgage payments by XXXX percent and brings mortgage current and keep same interest rate and they didnt look into this problem which would be good for my situations. Thanks for your time they raised my mortgage and interest rate please help
Consumer complaint received 2022-02-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2022 I mailed a cease and desist communication of an alleged debt to Santander Consumer certified mail. Santander Consumer received my cease and desist letter on XX/XX/2022. Santander consumer is still communicating this debt indirectly through the credit reporting agencies. 15 USC 1692a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Credit reporting agencies are the medium that Santander Consumer is still communicating this debt indirectly too. 15 USC 1692c ( c ) Ceasing Communication, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have documentary evidence from Santander Consumer willfully acknowledging receipt of my request, yet Santander Consumer is still willfully and knowingly communicating to the credit reporting agencies.
Consumer complaint received 2016-06-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems ( XXXX ) XXXX, keeps calling my telephone number looking for a XXXX XXXX. I have tried contacting them several times asking them to stop calling my number for this person because I do n't know who this person. They called ( robo call ) me today Sunday, XXXX XXXX, 2016 at XXXX. I want them to stop!
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank Of America/XXXX XXXX Representatives told me that if I have a combined amount of {$50000.00} in my BofA and XXXX Accounts, I would be able to do 20 monthly trades for free, and after 3 months, I would receive a {$200.00} cash reward. I put {$60000.00} to my BofA account and transferred {$10000.00} to XXXX, and did not touch the money since then. 

Upon calling after 4 months, they said that it will take time to receive the cash reward, and upon calling after 6 months they said that at least {$20000.00} of the combined amount should have been at XXXX XXXX, and because of that I did not receive it. They told me that they would fix it and get back to me asap, but they did not. It has been another 3 months now. 

I think this was a mis-representation/misinformation on their side and they did not provide accurate/clear information to customers. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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: McNeil & Meyers Asset Management Group, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )
Consumer complaint received 2015-09-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Repeated harrassment phone calls at my place of business on the XXXX day of the month ( mortgage payment due on XXXX to the XXXX -- STATED ON MORTGAGE!!!!! ) -- Just to help stop harrassment, I am mailing payment two days before XXXX -- due to mail -- not there yet -- they are making me lose my temper at my business -- causing stress -- please make them stop calling me immediately.,
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

A XXXX Debt Collection Agency called me in the early morning at XXXX XXXX on Tuesday XXXX XXXX. Their number is XXXX. They have called me hundreds of times before in the last 3 years. They always tell me they will take me off the list but never do. They always call me from different phone numbers because i have to keep blocking them.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line.
Consumer complaint received 2023-03-17
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. (FL)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND MY SOCIAL SECURITY CARD TO THIS COMPLAINT. 
THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  ACCT # XXXX PLEASE SEE ATTACH ALL NECESSARY DOCUMENTATIONS.
Consumer complaint received 2023-03-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I had a balance of {$2700.00} with american Express. It was paid in full on the due date.. Now I received a bill of $ XXXX.for interest. I called them and they contend this is a legitimate charge. because I had made minimum payments in the past. If the balance is paid there is no interest!!! I have paid other cards off in a similar manner and not received a interest charge. I would like to see AMX fined for this and my charge waived. Thank you.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-03-17
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. (NC)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance XXXX {$2100.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Original creditor XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$980.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance : {$900.00} ( Original Creditor : ) XXXX Balance : {$500.00} ( Original Creditor : ) XXXX Balance : {$500.00} XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX