davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

I am long-time customer of Ditech mortgage company. Recently, XX/XX/2018, I found out that Ditech overcharged me on my escrow. They sent me notification that I'll receive a check for {$410.00} back and few days later, XX/XX/XXXX Ditech representative assured me that check was mailed. Few weeks later, no check yet so I called Ditech and they said that most likely that check was lost and they will re-issue another one which they said they did on XX/XX/2018. I called them on XX/XX/XXXX and was told that check was mailed on XX/XX/XXXX and I should receive it in 5-7 business days. Today is 10 days and still no check. During this ordeal I called Ditech on multiple occasion and diferent representative had different information. Not even once Ditech had an integrity to stand up behind their promises! I am a retired senior citizen and had been making my payments always on time and this is the worst abuse I've ever experienced as a consumer! Ditech not only overcharged me but now refusing to pay back and lying that they did while in fact they didn't!! I don't believe that all the mail is delivered ( including sensitive mail and checks ) and only checks from Ditech get lost one after another one!
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid a collection from XXXX XXXX and it is paid in full in XXXX.on the Experian it dropped my score XXXX points stating its a paid collection late in XXXX. I am in the middle of a mortgage loan and at risk of losing my financing due to the wrong reporting.How could I be late in XXXX on Experian on the same day it was paid in full. I truly need this to be connected immediately or Im at risk of losing my mortgage loan and I already put everything into this.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (CA)

As my previous complaint # XXXX stated XXXX XXXXXXXX XXXX is still unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. There is no where under the Fair Credit Reporting act requiring a financial institution to furnish negative information to a consumer report. This has been Causing me great harm and stress. I now have reason to believe that XXXX XXXX XXXX  is using extortionate means on a extensions of credit which is a violation pursuant to 18 USC 892. My Privacy rights as a consumer are protected under the Gramm-Leech Billey Act. I Ask that XXXX XXXX XXXX immediately stop the reporting of a charge off to all 3 consumer report agencies this includes : XXXX, EQUIFAX, and XXXX. You will up date my consumer report reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Your failure to comply with my instructions will result in civil liability for fraud Pursuant to 15 U.S. Code 1640
Consumer complaint received 2021-03-30
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. (WI)

XXXX and Equifax are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (MN)

I have applied for a Synovus Bank First Progressive credit card numerous times and each time, my application for credit was denied by Synovus Bank. Synovus Bank is discriminating against me and denying me credit due to my race, color and national origin. Synovus Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) under federal law 15 U.S.C. 1981.
Consumer complaint received 2022-04-24
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: ENCORE CAPITAL GROUP INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On, XX/XX/2018 I sent a letter disputing an account for XXXX XXXX XXXX in regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time XXXX failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX.2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and XXXX XXXX XXXX violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Key 2 Recovery, Inc. (IN)

Key 2 recovery was hired by XXXX XXXX to collect a debt. Key 2 recovery added {$1600.00} to the balance stating that's what they charges and so that amount has to be paid. They are now reporting to the credit bureaus
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I have tried on several occasions to get XXXX and Equifax to correct my birthdate, but it still hasn't been corrected! XXXX I'd reporting it correctly. My birthday is XX/XX/XXXX 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (NC)

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 an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have made several attempts to have this issue resolved. I Certified Mail was sent on several occasions.
Consumer complaint received 2018-03-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This is XXXX! I asked for a copy of the loan audit for my loan to see what payments have been made and Wells Fargo response to my last complaint XXXX. Is that they need more information from me? XXXX you CFPB are worthless pass the buck over paid government POS!!

If I had to show all my checks I had to spend {$250.00} to get copy of checks from 2 years ago but ask the bank with XXXX  dollar computers they can't manage to get my loan payments and show how they are posted?

This system is seriously XXXX XXXX!!!

That bank Wells Fargo should have to give me a loan audit with in 72 hours!!! At least with in 30 days! You really want to be a consumer protection Orginaztion then act like you give a XXXX!! Make the banks do their jobs and supply the audits!!
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: MARINER FINANCE, LLC (KY)

I initiated this loan as a debt consolidation. My car was used a collateral for the loan. Therefore it was listed as a auto loan on my credit report. Because the loan was on a car that was already well below the value of the time when I began having car troubles I was unable to get out of the loan because I was hooked. I owed more on the car that the car was worth. I parked the car and continued to make payments over some time I was getting increasingly frustrated because the balance seemed to never go down. When I inquired about how long I will be paying on the loan I was always told a vague response such as go online to look at amortization calculator. They would never tell me how much time in the loan was remaining. After several years of making payments I have had to refinance the loan on a couple of different occasions. The loan still appears as an auto loan on my credit report which prevents me from buying a replacement vehicle although I cant roll this loan onto a new car because the balance is too high. Upon the last refinance someonethis auto loan is amortized like a credit card. No wonder Ive been making payments for so long without satisfying the loan yet. I believe their marketing of a debt consolidation using an vehicle for collateral is deceptive because in essence you are going to pay so much more over the life of the loan. How can they report as an auto loan and amortize as a credit card. Is this fuzzy lending fraudulent? Based on this new information I still have a couple of more years of payments on a car that is more than 20 yrs old. I would like to be rid of this debt. I believe Ive paid enough towards this debt. Im have more than paid for the value of the consolisation.
Consumer complaint received 2018-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (GA)

In XX/XX/XXXX I went to the Emergency Room at XXXX XXXX XXXX XXXX in XXXX, using my VA Medical ID Card, to obtained treatment for XXXX XXXX XXXX. XXXX accepts VA Health Patients with ID, and sub contracts their ER services to outside providers. THE ER uses the VA Benefits ID I give them to bill the service back to the VA, which in this case, the bill goes to the VA 's XXXX, Fl., offices. 

XXXX XXXX XXXX XXXX billed me {$600.00} for the ER visit, which I paid them off in monthly installments until it was paid in full. But suddenly I got a bill for {$580.00} from XXXX XXXX XXXX XXXX XXXX XXXX that had a XXXX, Fl., XXXX XXXX  as an address. 

I wrote to them asking what the charge was for and got a vague response of " ER doctor visit. '' Well this doctor spent as much as 10 minutes with me before writing a prescription. neither I nor the VA deemed that worth {$580.00}, and the VA settled the bill at {$42.00} in XX/XX/XXXX. 

THE VA also warned XXXX that they could not seek any further payment from me as a Veteran who used the ER services at XXXX under an agreement with the hospital to provide services to VETS who lived more than 40 miles from the nearest VA hospital facility. The nearest facility is XXXX XXXX, Fl -- 75 miles south of XXXX, Ga. 

XXXX, however, has thrown this bill into collections and it is showing on my credit report TWICE under different collections agencies. 

BY Law XXXX can not seek payment from a Veteran once they accepted payment from the VA to settle the bill. 

They MUST remove the items from my credit report and desist from further harassment from me for a bill which they can not legally collect. 

Because of their harassment, I have ceased using XXXX for ER services and when I get sick now, I have to drive sick down XXXX to XXXX XXXX to be treated. This is dangerous, but with this kind of greed locked into the civilian system, I have no alternative.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I applied and received a card fro XXXX XXXX via XXXX XXXX. Shortly after using card I lost it and got a replacement. The replacement card didn't have the same account number. Most companies change the check digits, but I received a completely new account number which required a completely different login setup to be established. Then because of the replacement Synchrony never journaled the balance from the original card correctly. Given XXXX XXXX  inability to sync replacement cards with original account and poor customer service I canceled the card and paid off the balance. I never revolved. Synchrony after the fact charged a membership fee. I had the fee reversed. Then a finance charge of {$2.00} appeared on the account for the membership fee that was reversed. The {$2.00} was finally reversed. I thought I was done on XX/XX/XXXX! Now I received a letter that Synchrony sold my original account to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$370.00}. Synchrony didn't journal over the charges from the 1st card to the replacement card correctly! Their accounting is all wrong! Accounts ending in XXXX and XXXX should be closed with a zero balance! There systems didn't reconcile between the 1st account and replacement account. That's pretty hard to do when you don't maintain the same account number!
Consumer complaint received 2018-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TN)

Mid-XX/XX/2018, after receiving a credit increase on my account, I went into Conn Furniture to look into purchasing some additional furniture. I still had a balance on my existing account so before looking at any merchandise my first concern was to see how they would handle my previous balance. I was told that they would combine the two accounts ; the old and the new one, and indicated that my monthly payment could potentially be lower than what I was paying or it could remain the same. With that understanding, I decided to purchase some furniture. The salesperson worked up the deal on his XXXX and told me that my monthly payment would be {$160.00}, which was the same amount I was already paying so I agreed to make the purchase. They did not give me a bill or a receipt but said they would send the information to my email. I had a previous account with Conn Furniture so I took them at their word. 30 days later I began to receive text, emails, and phone calls indicating that my " accounts '' were past due, Not one, but two accounts. I tried to speak with the manager of the store and was told they could not do anything about it and directed me to their customer service/and or some department over the phone. With each call, I was directed to another area and was then told I had to bring both accounts current before they could assist me with combining the two accounts. I did make two payments last month as they instructed with another call to their credit department. At the end of the phone conversation again, I was lead to believe that the accounts would be combined which as of today, XX/XX/2018 that are not and one has been sent to their collections area.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC (VA)

On XX/XX/2021, I attempted to purchase " stamps '' from JPay to communicate via email to people XXXX  in Virginia 's XXXX XXXX XXXX. The " stamps '' ( {$4.00} ) were instead credited to my account to communicate with people in XXXX XXXX XXXX  XXXX XXXX. XXXX 's system does not allow a person to buy stamps and use them across states. So their system is set up to permit you to only purchase stamps for one state at a time. On XX/XX/XXXX, I purchased stamps for XXXX XXXX XXXX but instead they were credited to XXXX XXXX XXXX. I emailed JPay on XX/XX/2021 to tell them of the problem. I never heard back. On XX/XX/XXXX, I tried to buy stamps again ( {$4.00} again ), assuming there had just been a glitch in the system on XX/XX/XXXX. However, the same exact problem happened again. I was purchasing stamps to communicate with people XXXX  at XXXX XXXX XXXX but the stamps were again credited to XXXX XXXX XXXX. I emailed them ( support@jpay.com ) the same day and told them of the problem. They still haven't replied. 

They are not providing the 24/7 support they claim to provide. It is not fair to people who want to communicate with loved ones in prisons to be taking our money. JPay charges us a LOT of money to communicate with people who are incarcerated ( I'll note that these prices vary depending on the state, which alone seems unjust and cruel ). But to then not even allow us to use the stamps we buy is outright wrong. Beyond that, JPay advertises that {$4.00} will get you 11 letters. But that's incorrect advertising. In fact, you have to use one stamp for each PAGE, and you can not combine photos to text. For example, if you want to send a note with two photos of your children, that costs three stamps, which is outrageous.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (PA)

Opened a personal account with PAYPAL, entered all info, confirmed my email address then went to apply for a card, to access my account, a debit card, after doing so I got a nasty email saying my account was restricted and fraudulent etc. I confirmed my email, no other information was requested so how is it fraudulent?
Consumer complaint received 2022-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (OH)

I paid off the loan and they claimed it was paid late reflecting on my credit report for the last two years Ive contacted them theres been no efforts to help with this problem. I made every payment on time as contractually agreed yet still they say the last payment was paid late.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These 2 hard inquires were made with out my permission and I want them removed from the credit reporting agency. 

Equifax XX/XX/17 XXXX XXXX - XXXX Equifax XX/XX/17 XXXX XXXX XXXX