davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (IL)

I paid {$20.00} as a donation to a veterans fund to receive a 3 month subscription of XXXX XXXX XXXX. They failed to deliver the newspaper for the allotted time period and tried to charge me for additional funds even after they failed to send me my subscription. I received a notice From A.R.M Solutions ( dept collector ) requesting {$31.00} on XX/XX/2017. I paid them {$10.00} dollars as a compromise to make the debt go away despite not owing any debt. 

I am worried that their mistake will now place a negative record on my credit and I want A.R.M and XXXX XXXX to ensure a negative report on my credit has not been filed and if it has they address it to ensure my credit score remains as it was.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

I 'm part of a class action suit that was won which Experian refuses to honor : I was supposed to get free credit scores and monitoring since at least XXXX. I will provide the case number and attorney info no later than next week. 

In the meantime, Experian has prevented Credit XXXX from getting my report and score. All info that I have provided to XXXX in XXXX has been exactly what I have given Experian when I obtained my free credit report today ( XXXX/XXXX/XXXX ). When I again tried CS today, they could not get my report or score. Additionally, Experian has listed a XXXX CARD ( XXXX .... ) account for {$440.00}. that appears to have been disputed back in XXXX XXXX XXXX 8 1/2 years ago? )
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CA)

I requested a new Credit Card " Barclaycard Arrival Plus World Elite Master Card '' in XX/XX/2017. One of the benefits I valued was Trip Cancellation/Interruption insurance. Upon arrival of the first card per XXXX I was able to find Document " Guide to Benefits XXXX '' ( appended ). It offered coverage of {$5000.00} per trip/ {$10000.00} per year ( page 26 ). The year 2017 was clearly marked on the document ( Last page ). When a second card arrived in the mail, it had an insert " Guide to Benefits XXXX '' which offered only {$1500.00} ( attached ). I have faxed twice to Barclay Member Services, and received absolutely no satisfactory answer. They did not even acknowledge the question or address it in any way but referred me to the telephone number on the back of the card. The telephone info I received was again that the benefit was {$1500.00}. This constitutes flagrant false and misleading advertisement and a company unwilling to respond. If I were to need the coverage for my upcoming trip I could loose {$10000.00}.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (VA)

I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. 
About 2 billing cycles ago, I went into the walmart store to make a {$25.00} payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was {$25.00} that is what I paid. The next month I realized that my payment was actually {$4.00} shy and I was charged a {$35.00} late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on the due date and was charged ANOTHER late fee. Today, on XX/XX/XXXX after noticing that nothing has been corrected and that late payments are still being applied to this account, i paid {$35.00} as everything else is late fees that are continuously being applied to my account all over a payment that was MISTAKENLY {$4.00} shy. I had also requested months ago that my payments be due on the XXXX of each month, I believe that request only lasted for one month and now the payments are due on or about XXXX/XXXX of each month which is not what i requested at all. Lastly I want to make sure they WM is NOT reporting that I have been paying my account late to the credit agencies because that is not the case!! I would have loved to get this issue resolved via customer service but no one over there has been of any help.
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX
Consumer complaint received 2016-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MD)

I used Discover Student Loans to take out a bar loan to sign-up for a bar prep course. I have been making monthly, on-time payments on the loan for over 2 years. The balance of the loan has actually gone up rather than going down, as one would suppose would happen. After researching the issue, I realized that Discover 's minimum payment amount was broken down in such a way as to ensure that the interest will always be XXXX times higher than the principal - high enough to ensure that the balance of the loan remained the same or slightly ticked up through the duration of the " repayment '', thus ensuring that the loan would never be paid off by simply applying minimum payments. All of this means that at 7 % interest, if one were to pay off the loan by making double monthly payments, that I would pay double the amount of the loan, and that Discover would make a 100 % profit on a loan that is at 7 %. 

This practice is beyond the pale of decency and is incredibly unethical. These are effectively usury loan terms and your agency needs to become involved in making sure that individuals who are simply trying to better themselves and do n't have parents or others to contribute to their education are not left " holding the bag '' because financial services companies are allowed to exploit their dominant market positions. 

I would be more than happy to discuss my case with a member of your agency. 

Thank you, XXXX XXXX Tel. XXXX
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (ID)

I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.
Consumer complaint received 2016-05-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: D2 Management LLC (TX)

I receive a call from a number XXXX. I was advised I owe XXXX auto loan with D2 management. The lady told me she review my credit i have no judgements or liens on my credit report. I do not have none of my documents at all. I have a Protection Identity Number and Fraud Alert on my credit report. The lady did not want to listen to me. She got mad.
Consumer complaint received 2021-11-26
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My husband and I purchased a home for {$98000.00} with XXXX down, we financed {$96000.00} at 9.25 % interest rate upon which we now owe {$94000.00}, and now that we are ready to refinance our current mortgage company is refusing to accept a refinance unless the entire interest for the life of the 30 year loan is paid ( interest fees at 30 yrs 9.25 % = {$180000.00} ) in addition to the current balance of principle owed. Is this legal?
Consumer complaint received 2016-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

XX/XX/XXXX, Ditech Financial LLC submitted to my bank a payment in the amount of {$660.00}. They were only authorized a monthly payment of {$190.00}. As a result, of the {$660.00} submission it overdrew my checking account. Subsequently, another account was affected and XXXX overdraft fees were added to my account.
Consumer complaint received 2016-09-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Tuesday, XX/XX/2016 To whom it may concern ; After I refinanced my house under HAMP, my property taxes were impounded by the mortgage company despite my low loan to value ratio. After 6 years of good payment history on my part, the lender informed me that THEY had not been collecting enough to cover my taxes. During this time of " under paid '' taxes I had sent a minimum of double what they told me were my mortgage payment obligations. Now that they have discovered their mistake they have told me that they will be tripling my payment to collect the difference. Their mistake is putting me in jeopardy of losing my house! I have tried to work out this issue with the lender, but they refuse to re-amortize my loan, and are demanding the tax deficit be repaid over 6 months, putting me in this difficult position. What makes this situation truly outrageous is that I sent more than enough money to cover my mortgage and taxes during the time in question, but because of their mistake they did not allocate enough money for my taxes. When I paid the taxes myself I did not have this issue, but now, thanks to their " help '' I am faced with a mortgage that will be difficult for me to pay. If they were trying to steal my house they could not have come up with a more effective scheme. 
Please help. I have spent the last 6 months ( XX/XX/2016-XX/XX/2016 ) trying to resolve this issue myself with no results. 

mortgage info below : Ditech ( XXXX Ditech Company )
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

My wife and I have a loan servicer ( Greentree/Ditech ) that has called us at times 3 & 4 times a day, at least. They have imposed unwarranted fees, not applied funds, just an on going pattern of harassment and misconduct. We understand they were involved in a lawsuit initiated by the FTC. We feel we were omitted, lost, or otherwise unaccounted for as we have not been contacted regarding any settlement. We also feel they are raising the interest rate illegally.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (CA)

After checking my credit reports, they show that I opened an account with Synchrony Bank for a " PayPal '' credit card and that payments were missed and the account was closed by the creditor in 2014. I never opened this account and do not use PayPal. I have not had any resolve in figuring out how they obtained my information and who actually had the credit card.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (GA)

Staring in XXXX XXXX, I was issued a new Banana Republic XXXX XXXX Card issued by Synchrony Bank as my old card was cancelled due to fraudulent activity. I had been diligently paying the balance on this old card. I was also paying the balance on the new card, but by my mistake, I accidentally sent the payments to the old, cancelled account number, meaning that the bank was getting payments but not applying it to any balance. The bank did not contact me about this error or do anything to rectify it, in effect just keeping the 'free ' payments I was sending them without applying it to any account. The payments I was meaning to apply towards my new card I was mistakenly making towards the old card until XXXX XXXX. The bank was notified by me in XXXX XXXX about these misapplied payments and was told that this would be investigated and the payments would be re-posted to the new account and that this should be resolved in 4 weeks. I waited until XXXX XXXX and the issue was not resolved, and I kept receiving statements from the bank for money that I had already paid. I called the bank again several times and was told that there is an investigation and that it would be resolved in a few weeks. I have called several times again, recently on XXXX XXXX, XXXX and was told the same thing. This issue has caused my credit score to drop significantly as a negative factor was placed on my credit score noting that the card was paid " 60 days late '' although I was paying the bank on time to the old credit card and the bank has done nothing to rectify the issue.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I have made the reservation for hotel using SYNCHRONY BANK/Sam 's Club XXXX. 
Hotel charged me amount that double the amount of reservation. I provided this information to Credit Card Customer Service, the reservation confirmation with the amount and Email from the hotel acknowledging that they made a mistake XXXX Hotel never gave me a credit for this amount ). I have received the letter from SYNCHRONY Bank with excuse that they can not enforce the Hotel to refund overcharged amount. " Each merchant determines their cancellation and/or return policy ''. I did not cancel or return anything. The amount of charge is twice the amount on reservation. 
They closed the case and said to me that Hotel has right to charge me any amount.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (NH)

On XX/XX/2016 I noticed a charge on an XXXX credit card, that my wife has and is maintained by Barclaycard, This card is attached to my own card. The purchase was made from XXXX XXXX XXXX XXXX. I questioned this and she said she did not purchase anything at that company. She called the card company and the charge was removed and a new card issued. On XXXX/XXXX/2016, Barclaycard charged her NEW card 3 times for the same purchase. After several calls and investigations opened, the charges were removed but she was told that they would start an investigation and if the charge was legit, it would be reapplied to her new card. Well, it ended up that the vendor determined that the charge was legit and the item sent to a person in XXXX XXXX, VA. The charge was then reapplied to my wife ' NEW card. I told the investigator that we do no know the person mentioned in the statement that XXXX XXXX XXXX gave to XXXX. and that my wife DEFINITELY did not purchase the UNKNOWN item from XXXX XXXX and sent to XXXX XXXX, VA. 
The investigator even told me that the charge was made online, with the correct credit card number and even the ( supposedly ) correct security code. The last case Number we have from Barclaycard is : DBO XXXX. Previous case numbers are : XXXX, XXXX. I will be writing to Barclaycard again about this, but I doubt that anything will come out of it but having to pay for an item we didNOT purchase.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Selip & Stylianou, LLP (NY)

XXXX XXXX bought a credit card debt and forwarded it to Cohen & Slammowitz now known as Selip and Syanilou to be collected. A judgement had been placed at least XXXX years ago. They garnisheed for it. The IRS was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc. (TX)

Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL (CA)

I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance, not the minimum payment, and some of my outstanding balance are not due until sometime in XXXX. More importantly, it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However, a representative of the customer center confirmed me that this is how they charge their customers, and they will do it again if my true balance is lower than my statement balance. So clearly, they have this practice of charging customers before the due date, and it is not right. I have attached all the documents to support my claim and am willing to provide further information if necessary.