davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (MD)

In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..
Consumer complaint received 2016-05-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VW Credit, Inc (MO)

After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (VA)

Resident Collection has posted a collection on my credit report in the amount of {$5000.00}. from XXXX. This dispute went before a judge in XXXX and was given a hearing date in mid XXXX. Resident Collection posted this debt in XXXX, prior to the hearing. At the hearing, the judge said I did NOT OWE for back rent. I have tried to contact these people but they keep putting me on hold, then disconnect me.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IA)

On  XXXX   XXXX     2016 I ca lled century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I used my Best Buy credit card to buy the XXXX XXXX service for 1 year. The following year, when my service was about to end, I got an email asking if I wanted to continue the XXXX XXXX service for another year. I answered yes to the email and my credit card was billed for 1 year of service. As my 2nd year of service ends, I do n't get an email about continuing the service. I 'm auto-renewed and billed for another year of XXXX XXXX service without my knowledge or consent. Citi Bank customer service says I was enrolled in auto-renew because I previously paid for the XXXX XXXX service using my credit card. I do n't ask for auto-renew and I did n't want buy the XXXX XXXX service for another year. I made a complaint with Citi Bank, but it 'll take 6 weeks for their reply. In the mean time, I 'm forced to pay the bill and late fees for this charge or my credit rating will be damaged.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (OK)

I signed up for a Sears Store card and rejected the other offers. Approximately one year later I received a Sears Master card in the mail - I did not act on it. I went to the Sears Store to make a purchase/payment and was told I could not use my Sears Store card. I had to find the Sears Master Card in order to call Sears/Citibank. I was told my Store card was switched to a Master card because I did not opt out when the Master card was sent to me. I began using to Master Card thinking it was just a regular card. I recently went to the Store and was offered a new store card which infuriated me because I feel like I was tricked into taking the Master Card that I DID N'T want in the first place. Today XX/XX/2016 I received a call from Citibank asking me to pay more on my card because the XXXX dollars I paid before it was due was not enough ( XXXX. ) I was told that the payments fluctuate based on the amount owed. Now I feel like I have been the target of predatory lending.
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (IL)

There XXXX issues regarding the medical debt collection company " Medical Business Bureau, LLC '' besides the fact the " Bureau misrepresents a government agency. 
1 ) I received a medical bill from XXXX, that is correct. The due date of this debt is XXXX XXXX, 2016. During the same time, I received a collection notice from Medical Business Bureau, dated XXXX XXXX, 2016 that they where attempting to collect a debt, and that the amount was assigned to them by XXXX XXXX before the actual due date of the debt. Please see attached documents regarding the bills looking at the dates. 
2 ) I received a negative credit report for a debt that did not belong to me. I negative report was furnished by " Medical Business Bureau, LLC '' I attempted to contact them regarding the debt, and they acknowledged that it was an error in there part, and that the notified the XXXX major credit reporting agencies. The issue with this is that this was not my debt, I was offered no time to dispute the debt, and the debt was reported in XXXX. Since the negative report to the credit reporting agencies, my credit score has dropped by a significant amount greater than XXXX points, and may possibly affect the APRs on several credit card accounts. Please see the XXXX credit report page XXXX. 

Since this issue has begun, I have used all the XXXX credit reporting agencies free reports, and will not be able to receive confirmation regarding any of the corrections.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH EQUIFAX..XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Consumer complaint received 2015-10-28
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (MA)

My name is XXXX XXXX i live at XXXX XXXX, XXXX XXXX XXXX : XXXX. I am filling a complaint against EXETER FINANCEXXXX XXXX, XXXX Texas. I had a car loan with the above in XX/XX/XXXX in XX/XX/XXXX Exeter Finance repossessed the car and sold it but did n't report the new loan balance. I disputed this balance through XXXX twice and EXETER FINANCE refuse to change the amount.I spoke with EXETER FINANCE two weeks ago they told me that it is in their rights to ; charge me {$4.00} per-day interest and put what they what think on the credit reporting agencies.At first Exeter Finance was reporting the original loan amount {$17000.00} and now for the last SIX months they changed the amount to $ XXXX car was sold in about three weeks after it was repossessed. My new balance should have been {$6500.00}. Exter finance wanted to punish me for the repossession of my car. BECAUSE of there false credit reporting has hurt me. Each time I apply for a loan interest rate was 21 % for car loans and personal loans. Had Exeter finance reported a proper amount in XX/XX/XXXX I would have paid it by now.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (TX)

I used to live at XXXX place at XXXX gave them notice no time also asked them to walk throw the apartment apartment manager told me every thing is ok but after 3 month i got phone call from HUNTER WAR FIELD telling me i owe XXXX which is not true call apartment corporate office talk to corporate office told me if i paid this amount she is going to pull out from collection as soon as convocation end on XXXX, XXXX, 2017 paid this full amount now its show on my credit report collection on my XXXX and XXXX report. Apartment office never send me any bill but without knowing send to the collection.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (CA)

In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (DC)

On XX/XX/XXXX, I requested a credit limit increase on my XXXX XXXX store card managed by Synchrony Bank. I did so using the automated phone system, which asked for my annual income, monthly rent, and desired credit limit. I then found out that Synchrony Bank performed a hard pull on my credit report despite never having obtained authorization from me to do so, either written or verbally, or even informing me that they would do so at any point during the increase request process. I complained on XX/XX/XXXX, and the agent told me that the authorization is in my Account Agreement. No language in the Agreement concerns hard pulls, but when I mentioned this, the agent told me soft pulls had been done away with in XX/XX/XXXX and that all pulls were now hard ones, which is also not true. When I further disputed her asserted facts, she told me she had been doing the same job for 15 years and knew what she was doing. In short, Synchrony Bank refuses to acknowledge they illegally performed a hard pull of my credit report.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (OH)

On XXXX XXXX, 2015, my wife and I traveled to XXXX XXXX NV to celebrate our XXXX wedding anniversary. I used my Sam 's Club XXXX XXXX # XXXX XXXX on the XXXX to purchase dinner ( {$60.00} ) and, at the airport for XXXX shuttle bus transfers ( {$40.00} ). On the XXXX I used the same card at breakfast in the XXXX XXXX ( {$10.00} ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for XXXX minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club XXXX card for payment and her card was also rejected. We were now forced to call the bank, put on hold for XXXX minutes, only to find that there was some " unusual '' active in my account??? The rep then reads me all of my charges asking if that was a valid transaction. I reply " yes '' to all of them and my account was reactivated.I my opinion this bank is not to be trusted. I do n't believe anything they say .My XXXX transaction is XXXX XXXX is rejected? I ask where is the " unusual '' activity? Buying show tickets in XXXX XXXX? The simplest software would show XXXX XXXX XXXX XXXX traveling to XXXX XXXX. She bought drinks on the flight. I buy shuttle passe and dinner in a large Hotel. It looks to me like the XXXX are in XXXX. This bank is doing something illegal and I hope your organization can do something about.
Consumer complaint received 2016-09-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (IL)

I have been in litigation with Barclays Credit Card for fraud revolving around false representation of Account Protection.I had payed for years into Account Protection and when I lost my job they did not pay as stated. They filed a judgement against .. 
2013 .It was suppose to be dismissed in the court and it is still active on my credit report
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

On my XXXX XXXX gas credit card statement dated XXXX/XXXX/2015 I noticed a fraudulent charge on the account. The fraud occurred on XXXX/XXXX/2015 for the amount of {$120.00} at XXXX XXXX New Mexico for XXXX gallons. 
I immediately called the card service account telephone # on XXXX/XXXX/2015 when I discovered the fraud on my card. I was routed through an incorrect maze of telephone numbers in XXXX & always ended up at same department. I requested the card # be closed & a new card be issued to me, as the previous card had been cloned & compromised. The bank service company closed the account, & continue to harass me for more detail about this event. 
I have made numerous telephone calls to try & resolve this matter, but the credit card account personnel are incapable of helping me.
Consumer complaint received 2016-08-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL (MD)

In XXXX XXXX, I found my credit score dropped from XXXX to approximately XXXX. Upon my investigation with XXXX credit agencies, I discovered that an individual opened a Paypal Extras Mastercard with Synchrony Bank in XXXX XXXX. I am unaware who opened the account or if/where the card was mailed. I have been contacting the Synchrony Bank since XXXX to have my credit score restored. However, there is still no news from them. We need to get the score corrected to close our first house in XXXX.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (NY)

I have a upromise XXXX issued by Barclay 's bank. They have locked me out of the account and will not provide statements or information to manage the debt. They are demanding documents I do not have to prove my identity. I have made payments by blindly sending them to the payments address hoping not to be late.
Consumer complaint received 2016-02-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (MD)

I submitted a payment to Care Credit ( Synchrony Bank ) on XXXX/XXXX/16 in the amount of XXXX. Prior to this payment I initially submitted the payment from a closed account and have been trying to get this fixed ever since. Once I made the good payment on the XXXX I was advised by XXXX the payment would take 7 days or post by XXXX/XXXX/16 at the latest date. On XXXX I called and spoke with a csr rep about my available credit update. He stated it would be updated in 24 hours along with the XXXX payment I made. On XXXX my available credit was updated not the payment. I did an online chat in which the rep stated the payment would be released on XXXX. Today I called to see what was going on and I spoke with " XXXX '' again. She is now stating the payment will be released on XXXX ( a saturday ). I said that made no sense and advised her of the transcript. She was adamant stating the payment was too large to release. I then asked her what was impacting my available balance. She told me a dentist office and to call them. I asked her for screenshots of the pending charge and was turned away again. She advised there was nothing she could help me with and continued to forward me to the " dentist '' office for the pending charge that was not showing on their system. I feel very uncomfortable with this agency which is formally GE capital. This is not the way a consumer should be treated.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (TX)

I mistakenly sent an electronic payment on XXXX to Synchrony credit card company which the balance on the card was {$480.00}. The {$750.00} electronic payment was suppose to go another creditor. When I called Synchrony on XXXX, the agent said they had n't received any money and because I only owed {$480.00} and the payment was {$750.00}, they 'd more than likely kick the payment back. I called twice on XXXX, the day my bank said Synchrony should 've received the payment, Synchrony said no record of payment. I called the next day, XXXX, And then I 'm told the acct was charged off and sold to a third party collection agency and they have no longer have access to any information about the account. I 'm given the collection agency 's number. I called the agency, they have no record of me or my account and tell me to wait 10 days to call to see if they have received my information from Synchrony. I talked to the supervisor 's supervisor at Synchrony and he admits that the account was just charged off on XXXX. In the mean time, the credit card company is holding the {$750.00} to eventually forward the payment to collection agency and tell me to get any overpayment difference from them. Synchrony would n't admit they have the {$750.00} even though I do n't have the money ( it 's deducted from my checking account since XXXX ) nor does the collection agency ( I 'm yet a client of theirs ) have the money. Logic stands to reason that Synchrony has the money.
Consumer complaint received 2016-03-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MN)

I received a credit card today from XXXX ' Synchrony Bank that I did not apply for. When I contacted Synchrony Bank 's Fraud department, they refused to cancel the card unless I would give them my social security number. Since I do n't know the " bank '', I am not giving them any personal information other than the card number I want cancelled. They told me to research them & then call back when I would give them my SSN #. Possible identity Theft?