davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CO)

Westlake financial. Is show my auto loan as a charge off. It's not a charge off. I am making the payments to the XXXX  XXXX trustee XXXX XXXX XXXX. And XXXX  ( XXXX  ) I have attached a copy of my XXXX statement it shows not behind.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

After having a credit card account with this company and receiving a paper statement each month to pay my outstanding balance, I received notification from the company informing me that, going forward, I will be charged to continue receiving a paper statement with information such as amount due, date due, etc. How is an account holder that does not have consistent, readily available access to the company 's website, supposed to determine outstanding balance and date payment is due in order to avoid interest and late fees? I have credit card accounts with various other credit card providers and have never been forced to pay for a paper statement.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

on my loan with Wells fargo they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.
Consumer complaint received 2020-05-15
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. (MS)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from Citibank from XXXX and I believe I stop paying into XXXX. I was paying Citibank but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. Citibank decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and Citibank should not have sold this to them. I did my research and Citibank was being held responsible for selling loans they should n't sold. I was more than willing to work with Citibank and I have letters to prove my struggle with Citibank. I have always had a high credit score before needing a operations. I even was able to work with XXXX XXXX XXXX XXXX which I understand is XXXX of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your account with XXXX was removed from your credit report.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MO)

I have repeatedly had issues logging into the Synchrony website in order to verify my due dates, change bank accounts and payment sources, and just to view account information. When I try to login, it says I have a wrong password, despite having just changed it. When I try to reset the password, it fails to recognize information that would not have changed such as last 4 of social and birthdate. On the occasions that I have been able to progress through the password reset progress, it asks me to verify my phone number, and it never gives the phone number I have listed in my account. A read through on XXXX indicated that everyone else seems to experience the same issue, and even are given the same phone number. Calling customer service is a punishing experience, because it has never taken less than half an hour to problem-solve things. I have retried the password reset process, which has locked me out, which routes me back to calling customer service. 

I realize that I sound like a total whiner, but the concerns that I have is that if their website is programmed so poorly, how secure is the information? Am I viewing someone else 's information when I try to do the password reset process? Does someone else have access to mine? I consider myself fairly technologically competent ; I wonder about other account holders that are vulnerable. This type of situation could easily cause financial harm to the vulnerable. 

I don't know if the CFPB can do anything or even if this is an appropriate venue. I apologize if I have lodged a complaint in the wrong place.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (FL)

I have a current mortgage loan with Suntrust Mortgage , Inc. about 7 years ago I had some late payment and they began to report me as a XXXX as they were starting the Foreclosure process. After about 12 months of working with them, we reached a resolution and I began to make my payments on time. My problem is that since that time, they have HARMED my CREDIT stating that they Foreclosed on my home and that mortgage which is entirely incorrect. They now are harming me from buying a new car or home becuase lenders believe i had a foreclosure in the past. I am still in that home and have not missed a payment in over 6 years.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I believe this could be a collection scam. They company name is XXXX XXXX XXXX XXXX, phone number XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, which is for an office building in XXXX XXXX, and there is no listing of that company there. I XXXX got a phone call from someone who claimed to be a process server from phone number XXXX - this has no matches on the web. The person on this call said I was about to be served and wanted to make sure I was home to receive the summons. He refused to tell me what it was about but gave me another phone number to call and a case number. I called that number, XXXX, and a very rude person who took my call said I had a loan I took out in XXXX  from HSBC bank, for over XXXX, but I don't recall taking out a loan like this. I also believe that if this was a legitimate debt, it is past the statute of limitations for collections. They refused to provide proof of the debt when i asked for it. They threatened to have my wages garnished by XXXX XXXX, which is not legal in my state. They sent me a generic collection letter via email with a company name that I can not locate on the web, XXXX XXXX XXXX XXXX. I also looked up their phone number online, XXXX, and nothing matched. I believe they are trying to scam me.
Consumer complaint received 2022-08-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-05
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)

I contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX  and XXXX  if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Williams & Fudge, Inc (GA)

Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account Name : Williams and fudge According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report. 

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (NJ)

On or about XX/XX/2024 there was a mysterious drop in my credit scores. After some digging I discovered a collection placed by REMEX. I have never heard nor received information from REMEX. They didnt even verify my identity when I called in but instead starting giving me information and demanding the full amount for a medical bill that was apparently for my XXXX. Im not only disputing the validity of this bill but also the validity of this agency, its practices and the security of my information. I spoke with someone named XXXX who was giving out sensitive information without any validation of my identity. If this debt is valid I prefer to settle it with the debtor and not this shady group.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland XXXX is reporting is reporting a debt that is Ive rXXXX years old. I have tried to dispute it several times but the credit bureau keeps telling me that the account is valid.
Consumer complaint received 2020-07-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (OK)

Don't know what to do with the delay in getting back to you sooner than a decade ago when I was a kid in a few types of the best chance to win one of these things are going to have a great time in my name.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

Received two identical letters on the same day from Resurgent Capital Services regarding an account that was just dismissed in a court case against LVNV Funding. 
Again, I received this communication AFTER already dealing with them and being told in front of a judge that I would be left alone. 
This letter claimed to validate the debt.l, but was only a report summary which is not proof of ownership, nor does it give them the right to collect on the debt. 
Further, they failed to provide a purchase agreement which shows who has had ownership of the debt and how they can collect on the debt.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

2022 my wife passed, instead of fileing bankruptcy I tried a debit reduction program, bad mistake, I didn't know they only worked with XXXX account at a time, after XXXX months I started seeing late payments and interest still being added. LVNV Funding bought XXXX of my accounts XXXX XXXX XXXX XXXX cards that was being paid by XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX I have all XXXX creditors that XXXX was paying in collections on my credit report. 
I'm trying to get LVNV Off my report they are trying to get me to pay for the amount XXXX XXXX have and are being paid.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX, homeowner, a received a " Denial Notice '' on XX/XX/XXXX, which ( 1 ) violated the Cares Act - Mortgage Letter for extensions. ( 2 ) Neglected/ Fail to Mention Covid-19 Forbearance Plan-Breached ( Agreement ) in the letter ( 3 ) Threaten foreclosure " As part of the review, we may order a Property Evaluation to determine the property value this is violation ( Consumer Financial Protection Bureau & Covid-19 Mortgage Loss Mitigation ( 4 ) Willful Neglect " Incomplete Information Notice by the specified date. '' Plaintiff, adds Reasonable Suspension as to defendant letter reference to " specified date as follows : ( Willful Intentional Neglect ) XXXX Letter " extending the COVID-19 Forbearance start date and HECM extension period to XX/XX/XXXX '' Navy Federal Credit Union is in violation of ( CFPB ) FINALIZES New Rule restricting Mortgage Foreclosures until XXXX. Under a ( New Rule ) Federal Rule Mortgage Services have to do more to help you avoid foreclosure if youve been affected by Covid-19.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TX)

My escrow keeps going up and the lending company ( PHH Mortgage ) is not making sense on the amount to cover my taxes/insurance. Every year they have gone up because they say taxes have gone up but this was not the case this year with taxes going down. However they just jumped my payment up around an extra {$1300.00} a month. I have been on the phone several times to try and resolve the issue but they can not find anything and keep saying the same thing.. this is your bill... I have gone and added up numbers from the date of the loan until now and there is no way they can have me behind this much on my escrow and also for them to jump my payment up this much on top of the yearly jumps. My payments started at {$3000.00} a month in XX/XX/2021 to now jumping up to {$4700.00} a month and my taxes have not gone up that much from the county. My escrow payments at the {$3500.00} a month is {$15000.00} a year and my taxes are only XXXX a year and insurance is XXXX. The math does not add up! I am tired of trying to fight the mortgage company on these and going to lose my good interest rate to refinance just to get it fixed. I want this company to be investigated because I am sure that I am not the only one that is having this issue.
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (OK)

Nelnet.com makes it very difficult to find the remaining term of your student loans. Logically, this information should be made available as part of the " Loan Details '' page or on the monthly account statement, but the only place you can find this information is to go to " Documents '' and " Payment Schedule ''. It 's almost like they do n't want borrowers to realize how long is left on their loans.
Consumer complaint received 2024-05-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

XX/XX/XXXX : I received a Vanilla Gift Card for {$100.00} from co-workers as a retirement gift. The Gift Card included receipts from the store purchased. 

XX/XX/XXXX : I tried to use the activated Vanilla Gift Card to make a purchase however when checking the balance I was told to contact Vanilla 's Customer Service. I did so and was told the Vanilla Gift Card was " compromised '' and that I would receive a replacement Vanilla Gift Card.

I received the replacement Vanilla Gift Card along with the attached letter. The letter references that the replacement Vanilla Git Card " ends in XXXX '' along with my mailing address ( so the card must be assoiciated with me ) Once I received the replacement Vanilla Gift Card I discarded the original " compromised '' Vanilla Gift Card. At no time during my conversation with Vanilla Gift Card customer service was I instructed to retain the original Vanilla Gift Card and receipts. 

XX/XX/XXXX : I attempted to use the replacement Vanilla Gift Card for an XXXX purchase. Since the purchase went through and the entire {$100.00} was used for the purchase, I discarded the replacement Vanilla Gift Card so I would not try to use it again in error. XXXX let me know the next day there was a problem with the replacement Vanilla Gift Card and used my personal credit card instead to complete the purchase. 

Unfortunately... the garbage pickup was that morning so I was unable to retrieve the card and the full card number. Since Vanilla Gift Card knows which card was sent to me and I still have a {$100.00} balance I believe I am eligible for a replacement card. 

I contacted Vanilla Gift customer service again and asked for a replacement card so I would not lose the {$100.00} amount. I was unable to have them understand the original receipts were discarded and that the replacement Vanilla Gift Card was sent to me by Vanilla Gift Card with card number and bar-coding. 

I understand that Vanilla Gift Cards are " anonymous '', however in this case Vanilla Gift Card sent me the replacement card along with a letter that includes both my name/address and the last 4 digits of the replacement Vanilla Gift Card. Surely Vanilla Gift Card must know which card was sent to me as a replacement. 

XXXX - XX/XX/XXXX : I contacted the XXXX XXXX XXXX XXXX XXXX  and worked with XXXX XXXX. She contacted the company on my behalf. XXXX XXXX from Incomm ( parent company of Vanilla Gift Cards ) told her that no replacement would be possible without the front/back of the replacement card. Since I can not provide the card they closed the case and Incomm refuses to accept they know which card they sent me... I am reaching out to you.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX I made a purchase on XXXX, I needed a video editor to help with a video I was going to make for my grandmothers funereal. I tried making the video and it did not work. On that same day I sent various emails saying the product didn't work. I tried and got frustrated that the video editor didn't work. I sent an email saying I want to cancel to product and get a refund. I also made a dispute with Apple Card/ Goldman Sachs on that same day. I have been trying to get this disputed since that day. They have a policy if you request a refund you can get your money back within the XXXX  days. I requested it that same day. I never received my refund. I have tried to explain this to Goldman Sachs but I keep getting my dispute denied. Today XX/XX/XXXX they charged once again for the year and I have yet to use the product. I didn't even know they were still charging me for the product. I had already erased my credit card information and canceled the product.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (TX)

This was medical debt from an XXXX XXXX hospital that had my wrong address and wrong phone number on file from 20 years ago and sent the collection efforts to the wrong place through a billing mistake. I resolved the debt with the original hospital which has recalled the debt from the collection agency. As the debt has been recalled it does not belong to this company and is not/was never late. They are attempting to negatively report on assets that they are not authorized to collect.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Theee fraudulent transactions was taken from 2 banks XXXX and USAA for XXXX fraudulent transactions. A police report was done on all three transactions and a XXXX report filed for the three transactions that was fraudulent taken from my accounts. I have tried to work with both XXXX and the banks to retrieve the funds that was taken from my accounts.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CADENCE BANK (MS)

I went into the Cadence Bank location at : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to open a 'Budget Smart Checking Account. ' Upon being assisted by the Loan Officer who so graciously assisted me with this transaction, I was informed that " I was denied for the checking account, due to an unpaid balance to another institution. '' This was not the decision of that person ( Loan Officer ) but rather that of other staff at that location. 

Per the information that is listed on their website : " https : //cadencebank.com/personal/checking/budget-smart, '' this is the exact reason why this account is offered, with only two exceptions : " Available to everyone with no incidence of conducting fraudulent activity or outstanding money owed to XXXX. '' Neither of the aforementioned conditions applies to myself, that I am aware of.