davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

I had 2 balances on my account. 1 for XXXX good until paid in full and 1 at XXXX that expired on XXXX. I wanted to pay off the XXXX balance but wanted to make sure my payment would be applied to it so I contacted the company to find out the best way to go about this. The balance expired on XXXX and would go to XXXX on XXXX. I made the payment on XXXX expecting it to go to the XXXX balance as the terms are payments are applied to higher rate balances first. This did not happen. I have been speaking with company representatives for several months. On initial conversation with the representatives they agree that the payment was misapplied and tell me they will forward it for correction. It was never corrected and now I'm being told that it can't because I made the payment before my statement closed so the payment was applied to the highest balance on my previous statement. I've asked to be shown this in writing and that has not happened. I have the original card agreement documentation and the balance transfer offer and no where does it state that I must wait until my statement closes to make a payment in order for it to apply to the higher interest rate first. I contacted the company specifically to make sure the payment would be applied correctly and followed their advice and waited until the offer had expired before making the payment yet they left that balance at XXXX and applied my payment to the XXXX.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I contacted XXXX XXXX and let them know my husband had been laid off of work and I had just had a XXXX XXXX and was unable to work as well. Therefore, I asked if we could come to an agreement and settle on our bill. The gal that was helping me had to speak with a manager. This same gal that was helping me confirmed with her manager that they would indeed accept a settlement under the circumstances of being laid off and medical issues. She also assured me that It would not be reported as a bad debt write-off. It would be reported as " a paid amount accepted by XXXX XXXX. We agreed upon {$3000.00}. I 'm disappointed they did not keep their word. My efforts with XXXX XXXX have proved fruitless to resolve this.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (PA)

Hello, Verizon owes me over {$3400.00} due to months of double billing which began in XXXX XXXX XXXXXXXX. I've tried everything. I've repeatedly called Verizon and Synchrony ( Verizon 's credit card ) to no avail. 

I visited the XXXX store in person to no avail. 

I provided written proof of the overcharges via my bank statements to no avail. 

My bank issued stop payments, but the ACH withdrawals continue. 

Per my bankers recommendation, we closed the account, but the ACH w/d continued. 

On XX/XX/XXXX I switched to XXXX and on XX/XX/XXXX, Verizon w/d from my account. 

As of this date, no one from Verizon or Synchrony has responded... they just keep taking money from my account. Please help asap!
Consumer complaint received 2021-10-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My personal information was lost/stolen during my tax preparers relocation in 2019, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting my ability to obtain credit
Consumer complaint received 2021-03-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (CA)

I was affected by the 2017 XXXX Data Breach, everything presented below is proof of fraudulence from that breach. Below are the listed violations and accounts with exhibits that have committed such violations. This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX, and XXXX  by sending it to collections and on my credit accounts. I have no knowledge of this and want them removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person, etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have my consumer information which is a violation and infringement of my consumer rights and most detrimentally my rights to privacy as a consumer. By federal law any authorizations made from the extension of a credit card ( SSN, ID, or Plate ) should not be included in a consumer report.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have a mortgage that is currently being serviced by Specialized Loan Servicing. I have been in default for some time. Originally I tried to work  with them to obtain a loan modification but the continuously were missing paperwork or they were always asking for additional information after I had already provided that information. 
Needless to say ; I gave up and presently I am trying to complete a short sale. 
I have had the property on the market with a very reputable and knowledgeable broker for 18 months. I have an experienced attorney working with the bank to assist with the short sale transaction. We have presented THREE offers to Specialized Loan Servicing throughout this 18 month period. Specialized Loan Servicing continues to reject this good faith offers and continues to OVERVALUE the property. My broker and my attorney both have worked in good faith with Specialized Loan Servicing. The property was shown to prospective buyers many many  times and all offers have been submitted to them ; but they continue to obstruct our ability to complete this short sale. I have no financial incentive to complete the transaction because I have a chapter XXXX discharger ; but I want to the right thing and avoid the foreclosure. However, despite the good faiths efforts of a knowledge broker and experienced attorney ; we are still being obstructed by Specialized Loan Servicing. I want SLS to approve the current short sale as this amount has been the HIGHEST amount we have EVER received for this property. The property was built in 1860and is severely outdated. Please help me.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

1-Questions are poorly worded. I.e., what does associated with mean if it 's about an old address. Does that mean currently, in the past, or could be listed in my file? 
2-Tell me why i failed your impossible questions so that i can learn from my supposed errors. Can you people remember what you did 10 years ago when the bank name changed five times over the course of the loan? 
3-Do n't use scrambled letters / numbers that can be confused for other letters / numbers. The number XXXX and letter l look similar, as does the letter O and number XXXX. The variegated colored background makes this more difficult than it has to be. *
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc (FL)

I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started hammering my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

In XXXX of XXXX I was contacted by Pioneer Credit Recovery stating that held a student loan in my name but it was in default. They stated that they were handling my account that previously been held by the US department of Education and that the remaining balance was close to {$15000.00}. Within 30 days, without prior notification, nor an opportunity to dispute began garnishing my wages. First and foremost, the biggest issue that I had then and even more now is th reviewing my data report recently at XXXX The Work Numbers website I was able to see that the organization that requested information about my employment information was Sallie Mae, in XXXX of XXXX. I have never had a student loan with Salie Mae or any one else!! I completed my education and received my diploma from XXXX XXXX University in XXXX. Upon requesting documents to support their claim I was sent multiple copies of the same bogus forged and falsified documents that I have never heard of nor seen prior to that day! After requesting any other documentation to support the debt owed, In a nutshell they do not!! Also, I Sallie Mae was never mentioned. Pioneer Credit Recovery Inc seems to believe without doubt that, the debt is legitimate debt. They dont have any official documents to prove that the debt belongs to me They havent proven anything whatsoever but feel that they are within the guidelines of the law!!! Its it is bogus fraudulent Unauthorized documents that someone has falsely obtained and presented as legit.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (KS)

XXXX Synchrony Bank who handles the in store credit accounts for Amazon.com has been bugging me for over a month saying I have to pay all kinds of charges and saying I was late with a payment. only thing I have been making all my payments on the third of the month, I have my statements that verify this, XXXX payment and I still do not know what happened was a little late and you would think this is XXXX XXXX XXXX, my new payment was going to be made when my annuity check comes in till then I am being called on the phone all day long or e mailed sounding like I am a dead beat and I am not, I 'm just a XXXX year old woman. and tired of the complaints.
Consumer complaint received 2018-06-11
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: Experian Information Solutions Inc. (OH)

I have been a victim of fraud and a data breach. I have inquiries on my credit report that were not made by me. I did not apply for credit from any of these companies listed below. 

XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

In XXXX XXXX, Diversified Consultants Collection agency reported a balance to all three credit Bureaus ( XXXX XXXX XXXX XXXX XXXX. I 've just learned that they reported when I pulled my credit report on XXXX/XXXX/XXXX. I 've called the collection agency several times since XXXX, and they refused to remove the collection from my reports. I 've called all three credit bureaus since XXXX and only XXXX has taken it off. TXXXX XXXX XXXX will not take it off and stating that the collection will remain on my report for 7 years. I can not afford for an {$0.00} balance collection to be on my report for 7 years. I am trying to buy a house in the next 2 years.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

Borrower : XXXX XXXX, Property : XXXX XXXX XXXX XXXX, CA, XXXX. 
Loan number : XXXX On early XX/XX/XXXX, writer requested via phone requesting cancellation of private mortgage insurance ( PMI ). 
By XX/XX/XXXX, The Money Source ( TMS ) sent a letter regarding the conditions to be met before PMI can be cancelled. I opted to go for request based on Original Value. I sent a {$200.00} dollar cheque for Broker Price Opinion.  Nothing happened. 
On XX/XX/XXXX writer made a call to customer service ( talked to XXXX -supervisor ) made a follow up on my PMI cancellation application. XXXX said they will escalate my inquiry. 
XX/XX/XXXX, writer called customer service department regarding third party appraiser did not come in. Representative said " I ca n't do anything ''. 
On XX/XX/XXXX, a third party company came to the property to take pictures. 
On XX/XX/XXXX, writer made a follow up on PMI cancellation application and the representative said " I will escalate that inquiry to my supervisor. You should be receiving a letter after 30 days after the 3rd party appraiser visited your property ''. 
On XX/XX/XXXX, writer made a follow-up and said " I will escalate your request ''. 
Nothing happened. Frustrated. 
I know I will qualify for PMI cancellation based on Original value because my LTV ratio is below 80 percent and I am up to date on my monthly payments. I need your help to expedite my request as TMS is using a delaying tactic. 
Thanks a lot.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist paid my property taxes to the county late and now there is a fee being assessed due to the failure to submit a timely payment from my escrow. I have received notice that my name will be published in the newspaper as a tax delinquent unless this is remedied by the XXXX of XXXX. I have reached out to Truist twice, spending over an hour on the phone trying to get some assistance, and have been disconnected both times from their tax department. 

Truist 's tax representative told me ( before I was disconnected ) that according to their records, they paid my property taxes in XXXX of XXXX. However, the county tax office received payment on XX/XX/XXXX for taxes billed in XX/XX/XXXX. This was past the county 's three month grace period and I have now been assessed a penalty. If my name is printed in the paper as a tax delinquent, it will cause irreparable harm to my reputation and career, and this needs to be addressed immediately. I have just been transferred from department to department and nothing has been done by Truist. 

Since Truist bought my mortgage, it has been errors upon errors by this bank and I am frustrated that I keep losing both my time and money because of their negligence and failures. This should absolutely not be allowed to continue.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I am a consumer by law and this formal complaint was not sent in error or default. The information on my consumer report is not reporting 100 % maximum accuracy as well as being unauthorized use of my information. It has been well over 30 days with no response from XXXX and by law these erroneous accounts must be removed expeditiously.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I received a call today from a debt collector completely out of the blue about a credit card account which was closed in 2011. The woman that called failed to identify herself, and company. When I asked for information I was interrupted, threatened with a lien against my home & calling my employer to garnish my wages, and then she hung up on me. I called back as I felt threatened, she then dangled my personal identifying information as a threat against me to settle this debt which had not been previously disclosed to me in writing ( or any calls ). She then used threatening language in a derogatory manner, threatening me with legal action, when I requested documentation and time to investigate she refused, and said due to the length of time they didnt have to disclose any information to me & could pursue legal action immediately. I settled the debt with my credit card. She then followed up with some scammy documentation, and I am fearful of identity theft & cybercrime against me and my family.
Consumer complaint received 2017-12-07
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: EQUIFAX, INC. (FL)

I began disputing the XXXX Bank, NA account that is reflected on my credit report, in XXXX XXXX with Equifax Credit Bureau. In XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX advising them that this account did not belong to me. As the report ( see attached ) from Equifax themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that Equifax delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XXXX XXXX, XXXX, I contacted Equifax by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact XXXX Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted XXXX Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my Equifax report. To my dismay, I was placed on hold in excess of XXXX hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/X/2017, I again contacted XXXX Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I noticed that Credit Collection Services of XXXX, MA filed an item in collections from XXXX against all 3 bureaus credit reports. I have never had an account with XXXX in my life, so I am angry that they filed a collection for a debt that I do not owe. I would also like to know where the account came from and would like to have an investigation started. 

This is a large debt of {$3400.00}. I tried to dispute this debt with the first reporting agency. XXXX XXXX was the first, and, after investigation, they reported that they were able to verify accuracy. So, I held off on disputing with XXXX and XXXX. 

Another thing I want to make perfectly clear is that this company did not call me once and reported this debt against my credit report. In my opinion, that means they did not do their due diligence ensuring that they are reporting debt against the correct individual. Not only did they file this debt in collections against my credit report, I never once received a call from XXXX or the collection agency. I am very upset and look forward to getting this resolved.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

CREATIVE MATH! 

I have promotional and non-promotional balances with my XXXX XXXX card. I call in each month to clarify HOW MUCH I NEED TO PAY - so I do NOT pay interest the following month. And if needed I pay off my promotional balances that are coming due. 

Once again last month, it appears as though the bank is CREDITING my promotional balance with my payment as requested, then RE-CHARGING it to my account as non promotional resulting in my having a balance subject to interest charges. 

Every month my account seems to have more " adjustments '' ( both debits & credits ) than it does actual transactions with which I am buying product or making payments.