davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (TX)

These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student loan.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCP Holdings, L.P. (OR)

Under fair credit reporting act, I am being discriminated against because of age. 

Im being assessed as a minor, at least that what I have gathered based up the responses ive received.

I dispute the accuracy or completeness of the information.

Furthermore, an evaluation at the doc has declared me as an XXXX.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Conn's, Inc. (TX)

Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.
Consumer complaint received 2020-10-20
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. (OH)

After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with  XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone stole my information and opened 2 credit cards in my name. The address where the fraud took place is XXXX XXXX XXXX in XXXX Ca. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost 5 years. I tried to dispute the items with the collections department as well as the creditors with a police report number which I sent several times and they have not deleted the items. One item is XXXX XXXX   and the other is XXXX XXXX. Please help I will send paperwork thanks.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.
Consumer complaint received 2024-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

In the beginning of 2018 I went to get dental work done at XXXX XXXX XXXX XXXX XXXXXXXX Tennessee. I was under the impression that my insurance covered it all. Then about a year later it a balance of {$600.00} shows up on my credit. Ive called the XXXXXXXX XXXX XXXX  in XXXX Tennessee and I was told that I could not dispute nor negotiate a lower price to pay.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

I am not a member of the armed forces, but I am a XXXX. I am complaining about the closures of my credit card accounts with Barclaycard Bank Delaware. I have XXXX accounts with this bank : 1 ) XXXX XXXX XXXX and 2 ) Barclaycard XXXX XXXX. I realized they closed my account on XXXX XXXX, 2016. According to California Civil Code 1747.85 " no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment. '' I never received such notice, and the Bank confirmed via telephone on XXXX XXXX that a letter was mailed on XXXX XXXX that " immediately closed '' the account. I received the letter in the mail on XXXX XXXX, 2016. I informed the manager that I was not given proper notice and demanded the account me reinstated immediately. They did not grant my demands, even after citing California code. I talked with a XXXX on the phone on XXXX XXXX and he said he could not reopen the account and said the next step is to contact the Office of the President for more information for reinstatement. CFPB complaints are automatically reviewed by the Office of the President, so I am taking this route to continue to complaint.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.
Consumer complaint received 2020-10-20
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (NY)

SALLIE MAE BANK joined XXXX XXXX XXXX University in predatory lending practices in 2006.

The accounts that were opened were then transferred to Navient, without my consent allowing them to gain from the sale..

Navient has sent letters to reduce the principal balance threatening they would take legal actions. 

XX/XX/XXXX XXXX XXXX a debt collection company contracted with Navient to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was ....

The amount I have paid including interest ... ...

Was not included in the letter
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Showing old accounts over 7-10 yrs closed and credit score dropped XXXX points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by XXXX months or more and on time 100 %. 

In fact, it should be well over XXXX points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX American.
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (KS)

I was advised by the credit card company in XXXX, XXXX that my card had been compromised and they cancelled that card and reissued a new card. Statement for XXXX shows charges and refund amounts. There were XXXX charges no refunded for a total of XXXX that were charged on XXXX XXXX. I called the credit card company and they told me to wait a little longer. In XXXX, I send a letter to Synchrony Bank Legal Dept about the XXXX charges. I received a letter back to wait XXXX to 8 weeks again. Neither of the charges were removed. In XXXX, XXXX, I sent another letter and received the same form letter back from them.. Nothing has been done yet. Charges were to XXXX for {$410.00} and to Lowes for {$210.00}. I have been paying interest on this amount for some time as I did not want to pay for amounts I did not charge.
Consumer complaint received 2021-06-05
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. (WA)

FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX **XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (SD)

I recently  received a letter from Citi bank that states that their " records reflect that you previously enrolled in Credit Protector, an optional debt protection program offered by Citibank N.A for witch you were charged a monthly fee. '' The go on to say that " if you believe that you were enrolled without your consent or knowledge of the program or costs ore benefits, you may go to www.citi.com/refundinquiry and submit a claim ... '' My concern is that I received this notice with no knowledge of what was happening so I called them. The people I got that I talked to m ade it sound like I have the opportunity to re-enroll into their program and that it is a service that they provide. They are so facetious about it that it sounds like a scam and I was n't going to do anything. I looked your article up on the internet and see now what is going on. Should n't they be more upfront about this? It is very concerning to get such a letter in these times when there are so many scams out there and they give little to no information about what is going on and make it sound like I have the " opportunity '' to re-enroll in their credit protection program.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (TX)

Company posted a XXXX derogatory comment on my credit report. I have tried resolving this for three years. The company will not respond so that it can be resolved. The only time actual communication occurred was on the phone and they wanted me to give them my credit card information.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We have been working with SPS since last year. Completed workout paperwork and they keep coming back wanting more and more paperwork. Started working with a HUD approved counseling service in XXXX. Submitted documentation they wanted. Had to resubmit everything in XXXX. Keep having to submit more and more paperwork. They wanted Profit and Loss statements- provided a couple of times- they then came back and rejected and indicated they wanted their own form. Never told us that prior to the call on the XXXX of XXXX. 
Submitted - received Notice of Default and need to cure by XXXX. When asked they indicated they do that but not to worry about it as we are working with them. It is hard not to worry as we have been working on this since last year with no resolution.
Consumer complaint received 2022-09-06
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. (VA)

Unfortunately, I'm still having difficulty with a Bankruptcy that is listed by XXXX. I thought this information was all settled, but then my most recent report from XXXX has the Bankruptcy reinserted ( See attached ). This is causing Equifax to refuse to remove the information. I need this corrected ASAP. It has been since XX/XX/XXXX I have disputed this information and told repeatedly that it was removed only to get a subsequent copy of my XXXX report with the Bankruptcy showing. 

If that's not enough, the report lists a Bankruptcy filed in XXXX by a " Spouse, '' which I've never had. This information is a grave error and the continual reporting of same is injurious.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NY)

XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. 
XXXX Account no. XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: American Credit Resolution, Incorporated (NY)

I am writing this due to Illegal Activity done by American Credit Resolution , Inc. This activity started on Thursday XXXX XXXX 2017. My husband and I have XXXX recordings of threats that I will be served and arrested along with several other FDCPA violations. This also includes speaking and providing and disclosing personal information which include my personal email address, my SSN and DOB, with people without verifying whom they are speaking with. They have also called my in laws and disclosed personal information to them. They have also sent out this information to the email address XXXXXXXXXXXX without verifying that it belongs to me or my husband. I have detailed 4 of the calls that have been recorded with the violations that my husband has found since he was the corporate trainer for XXXX. The reason I am reporting this because I would like to give the company to correct their actions and give them a chance before I hand these recordings to a consumer law attorney for review. I will like to settle this account out for {$300.00} with the debt being taken off of my credit report. I would also like an apology from the company apologizing for their wrong doing. At no time did they state they were debt collectors and that any and all information would be used for that purpose. I will pay the {$300.00} with a debit card to settle the account out and I will like to have a PIF letter within 24hours emailed to me and a hard copy sent in the mail. We have requested several times for a Full detailed validation of debt by mail including the invoices of the transactions. ACR Inc has failed to provide this each time. There are so many violations of the FDCPA in each call. We have received several calls a day form ACR in the hours that we stated we could not receive calls. Also we have been texted several times from ACR stated our payment was declined and did n't go through when no payment was ever set up. I want to make sure that the collection agency is aware of this and hopefully they can provide better training in the FDCPA. These agents in the phone calls are why they collection industry have a bad rapport.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I send them a check ( {$5000.00} enough to clear my balance ) XXXX credit agency. It was sent overnight and arrived Thursday morning. I have been writing non stop emails requesting an update, the one person I spoke to on Thursday said they didnt get it yet. 

I have now not heard back since. I have a payment due Monday, and I am unable to remove my bank info. They refuse to credit with the check that ARRIVED THIRSDAY and will be attempting to take more money from me ( though the check clears my balance ) on Monday. 

I have wrote them XXXX of times and called them and begged for updates, still nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX please.
Consumer complaint received 2022-08-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose