davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (OH)

Received XXXX phone calls from a debt collection company asking to speak with my spouse ( asked to speak to him by name ). Calls received on XX/XX/XXXX, XXXX, and on XX/XX/XXXX and XXXX, XXXX. All after XXXX and before XXXX. 

I did not answer the calls on XXXX XXXX and XXXX. However, on XXXX XXXX I answered and spoke with a collections rep. He hung up on me while I was asking a question ; I called back and spoke with a different rep. who apologized for the rude behavior of the first rep. I said that I would give my spouse the message to call them back. The rep. claimed that my husband gave them my number to reach him. This is false, and I told the caller so ( confirmed this with my spouse who never leaves my cell phone number with anyone ). 

On XXXX XXXX, I received another call asking to speak with my spouse. I gave them my spouse 's work phone number. That evening my spouse confirmed that he spoke with the collections company. But my spouse believes the collections company has the wrong guy. 

On XXXX XXXX, I received another call that I ignored ( voice mail was left ). However, when I tried calling back, thrice, the line was busy. 

It's illegal for debt collectors to contact third party ( i.e. family members ) more than once, correct? Obviously, this company is way out of line.
Consumer complaint received 2018-10-04
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. (TX)

I am a victim of identity theft. I called Experion on XX/XX/2018 to have the inquiries as a result of identity theft removed from my report, as their website instructs. Their representative explained to me that the inquiries can not be removed by Experion, but only by the bank they originated from. When I objected to what seemed to be in error of Experion 's stated policy, their representative, whose name he gave as " XXXX  '' said to me " Look, I'm explaining to you what our policy is, if you don't like it, I can't help it. Thank you and have a nice day '', and hung up. 

I also utilize Experion 's {$20.00} per month credit protection. I do not feel that the way this call was handled was in any way professional or in a respectful manner.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc. (AL)

I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

On the credit card statement for XX/XX/2022 received for my CareCredit card ( issued by Synchrony Bank ) my new balance was {$4100.00}. This balance was made of two " Promotional '' balances. The first balance of {$2900.00} has an expiration date of XX/XX/2022. The remaining balance of {$1100.00} has an expiration date of XX/XX/2022. In order to avoid any deferred interest charges, the respective balances must be paid on or before the stated expiration date. 

On XX/XX/2022, I made a payment of {$2000.00}. On XX/XX/2022, I accessed my account on line in order to payoff the earlier promotional balance ( due XX/XX/2022 ) of {$2900.00}, assuming the balance would be {$980.00} ( {$2900.00} minus {$2000.00} payment ). The on line information. indicated the promotional balance for the XX/XX/2022 promotion was {$1100.00}, not {$980.00}. 

On XX/XX/2022, I also contacted Synchrony Bank to see what games they were playing with my account. The representative I spoke with ( ID # XXXX ) stated that sense my payment was not enough to payoff the XX/XX/2022 promotional balance of {$2900.00}, Synchrony 's system arbitrarily applied {$130.00} of my payment to the XX/XX/2022 promotional balance, leaving a balance of {$1100.00}. This in essence is increasing the previously stated promotional balance for the XX/XX/2022 promotion. I told her that this was an unethical and deceptive trade practice that could result in a cardholder to incur interest charges because of the change in a balance amount different from what the cardholder was previously told. She agreed that she would reapply my {$2000.00} payment in its entirety to the XX/XX/2022 promotional amount of {$2900.00} as reported to me on my XX/XX/2022 statement. However, she also stated that it would take XXXX billing cycles to complete. She also stated that my new balance for the XX/XX/2022 promotion was {$980.00}, which is what I expected. However, I'm concerned that I will be charged interest due to the length of time it will take Synchrony Bank to reapply my payment correctly. 
I never have been provided with any information on how payments are applied to promotional balances. Since my account is made of promotional balances, one would assume that all payments would be applied to the earliest promotional balance. It's apparent that Synchrony Bank 's system does not work in that manner. This can lead to a customer paying interest when they thought they had paid of a promotional balance within the designated payment period. I consider Synchrony Bank 's practice to be unethical and deceptive in nature.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-23
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: National Business Factors (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2021-07-01
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Through an online ad on the XXXX social media, I was taken to a website ( XXXX XXXX XXXX/ ) that looked legit. I purchased a dress for {$320.00} US dollars on XX/XX/XXXX, but what was delivered to me was completely different and of very poor quality. I notified the merchant immediately and asked for a full refund, but they refused even after I returned the dress to them. 
I have disputed the charge with my bank, Chime, on XX/XX/XXXX and provided supporting documents. Claim ID # XXXX was opened, but the bank closed it in favor of the merchant without providing reasonable explanation.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all 3 credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (VT)

XXXX XXXX XXXX  has a report that has not be accurately adjusted on the account holder 's credit report. The report states that the account is negative and unpaid. On XX/XX/2017 the account has been resolved with XXXX XXXX, XXXX and the account has been satisfied and closed. The XXXX XXXX, XXXX has failed to share this information with XXXX XXXX XXXX, XXXX XXXX XXXX  has failed to accurately update the information that was originally reported to the credit bureau.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of 2019, XXXX converted its Mastercard accounts from servicing by XXXX to servicing by Capital One. 
This conversion was plagued with poor support and communications. The online management websites were NOT transferred or converted directly. Unknown to us, the autopay we previously relied on to make the payments was discontinued. Capital One required that we create an entirely new website login. Since our method of statement delivery was online, we were basically blacked out of any communication for over 60 days. That is, the new emails describing the switchover were going into our junk folder. During this time of first notification and conversion, we were not receiving these important emails from Capital One. Finally, after we were over 30 days late with a payment, we received a phone call from a phone number we didn't recognize, so we skipped it. No message was left. 
Eventually, we did answer that phone call, and made numerous attempts to create the new website login and autopay. The system kept asking us to create a new login, but after entering our information, it blocked us from continuing, saying we already had a login. 
The result of their inept conversion of accounts was that we were over 30 days late with payments several times. We were making payments, but the timing was off from our previous XXXX account. We were punished each time with late fees - and after the third time, our interest rate was raised to the maximum penalty amount. They also cancelled our account, resulting in a poor credit rating. 
NONE of this would have happened if the conversion XXXX did from XXXX to Capital One had not occurred. We were ALWAYS on time with payments prior to the conversion, AND we paid several promotional purchases off ahead of their due dates. 
We contacted XXXX, XXXX, and Capital One several times regarding these issues with no result. Now we find the interest rate has increased even further, making it impossible to EVER pay this account off. Most of the late fees were not refunded. 

Since finally fixing the issues, we've made payments through autopay on time every month just as we did with XXXX. 
Thank you.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NC)

I received a copy f my credit report where XXXX Continental Bank continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from Continental Bank / XXXX XXXX XXXX for ID
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from Transunion and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( Transunion, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.
Consumer complaint received 2019-10-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (CA)

I paid all money owed to XXXX XXXX College on time. They lost checks and charged additional late fees and held my transcripts until I paid. I ended up overpaying them {$100.00} because of their accounting error and when notified they sent me a check for {$100.00}. In early XXXX I received a notice from Reliant Capital Solutions that I was sent to collections for {$100.00}. I sent Reliant Capital Solutions all the supporting payment documents showing all debt was paid and saying not to contact me further. I received another letter XX/XX/XXXX with an incorrect ledger card with a {$100.00} balance. 

Here are a list of my payments on original debt of {$830.00} : XXXX {$100.00} XX/XX/XXXX {$200.00} XXXX {$100.00} XXXX {$100.00} XXXX {$430.00} for a total of {$930.00}. A refund was issued by XXXX XXXX College for the over payment of {$100.00} but they have still sent me to collections. The attached ledger card is from XXXX XXXX College shows the over payment. This is not the same ledger card the debt collector has sent which is also attached.
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (FL)

Financial Recovery Services, https : //www.fin-rec.com/ continues to call me multiple times a day attempting to collect debt belonging to someone else. I have never heard of the person they are looking for and I have told them multiple times. They hang up on me and continue to call multiple times a day.
Consumer complaint received 2019-11-15
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. (FL)

Student loans taken XXXX through XXXX have been in repayment and making payments per the graduate payment plan. Navient has placed the act in forebarrence on numerous occasions af a result of us not being able to make full payments. The balance continues to grow and now in wage garnishment. We tried to set up payments we're could afford and continued paying only to watch the balance continue to increase. My request 1. I would like copies if all loan docs with terms at time of disbursement. 
2. Account history from direct loans, to sallie mae to navient. As the act has moved a consolidation has occured. I would like the original paper work on that consolidation and the terms at the time. 
3. Reasonable repayment that will actually reduce principal.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

Case Description : ***REFUND NEEDED***. Zero calls NOR emails answered EVER SINCE THEIR " FAILURE '' On XX/XX/2021 I contracted with this now seemingly scammish thieving entity to be this new " broker '' thing to procure my relocation packing loading & moving from XXXX, NM to XXXX NM & paid their required {$1200.00} deposit on a {$3000.00} quote for their locating/binding a crew truck/ carrier by the agreed to window they offered of XXXX XXXX XXXX, 2021 All month whenever I had any questions they barely ever answered their phone ( perhaps every 3rd call ) & NEVER returned any calls or emails ever ... eventually proceeded thru the countdown steps the last 2-5 days prior the QA call that had to be repeated after the last weekend of XXXX when the girl XXXX disappeared amidst a virtual video I wanted to show them how downsized my move had become after selling & giving away so much & all major furniture! XXXX the QA supervisor said Mon the XXXX that all was well & a crew HAD been secured with final info XXXX hours before window begins XXXX or XXXX then makes a 5-second voice msg & 1-2 sentence email telling me " SERVICE FAILURE HAS BEEN CALLED, refund in full of my deposit by US mailed check of {$1200.00} within 2-3 weeks time ''!!!! Really? Ditched me ONE DAY ON XX/XX/XXXX before the 3-day window which was days prior to my " must vacate by '' date of my apartment???? Horrible enough!!! No explanation except " we never found a carrier at that price quote the entire 4 weeks! '' really?? I had been told the reverse of course more than once whenever I called and they ANSWERED So I had to find another broker ( ironically turned out to be XXXX XXXX XXXX w/ an address RIGHT NEXT DOOR AT XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL ! Wow! They got a carrier ( XXXX XXXX XXXX ) in a day and a half at a quote raised to {$4200.00} ( XXXX to {$6900.00}!!! ) anyway STILL NO REFUND SENT BACK TO ME OF {$1200.00} never mind any resultant damages above to say higher costs under time pressure and zero calls answered!!
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

This complaint relates to a transfer of loan servicing from XXXX to XXXX XXXX/LoanCare or whatever their name actually is? The Loan number is XXXX, collateral XXXX XXXX XXXX XXXX XXXX, Ca, XXXX. During the transition negligence was obvious in who, where to make a payment.? I made the same {$560.00} Monthly payments to XXXX and each and every check was cashed. Finally I began making my payments to XXXX XXXX? Then Loan care ( extreme vagueness ), The comedy of errors a misapplications of funds including ( I make all mortgage payments by a third party -proof of service by mail and certified mail ) even with that timely payments are applied in the late on or after the XXXX so they can make profits of penalties.. The instant claim involved the simple fact that that each and every month for the last year and the preceding years I have made all payments for {$560.00} on time to XXXX and now Loan Care, copies of checks sent to show the application of each month to the appropriate check cashed by XXXX, XXXX  XXXX and Loan Care and their inability to find proof of all payments made is tatamount to conduct that serves no useful purpose but to harass and annoy. They are debt collectors first and customer service second, unable to resolve conflict that most reasonable people would discern easily.