davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I have a mortgage throug h QuickenLoans. I got in  touch wit h   XXXX    mortga ge representatives including representatives which were assigned to the case in the client relations department. They all claimed that there is nothing wrong with their system and that the calculations are accurate and proceed to direct me to the transaction history page on their portal.   My complaint is not about payments not posting, it is about the lender charging interest on early payment of the loan.   The lender allows payments in advance, I have sent all the payments in which would have been due the first of each month until  XXXX   XXXX , the next payment due date is  XXXX   XXXX . This is for the purpose of having some form of cash backup by not having any mortgage dues for the nex t 5 to  6 months. Now that I am 4 months ahead of payments, I began sending payments of {$2400.00} directly to the principal. Although the amount paid to the principal did reduce the principal balance and future payments, those due  XXXX   XXXX  and thereafter, will have less money going towards interest and more towards the principal, as expected, the payments however, which I made in advance prior to principal only payments were NOT affected by this extra payment towards the principal nor were they affected by the fact that the payment was sent months in advance rather than on the due date even though the lender received the money for all of these payments on  XXXX  and  XXXX .   The lender is effectively charging me interest on amounts which have already been paid towards the principal on all payments made months in advance since their system does not recalculate payments made prior to a large principal payment once a payment transaction posts even if it is several months before the payment due date. Their system treats the payments sent months in advance as if the payment was applied on the due date. The contract does not state any fees or penalties for early repayment, the contract allows early repayment, moreover, their website has a tool to calculate how much money can be saved by sending larger payments. However, that tool, similar to their payment system, only takes into account future payments and not payments submitted months prior to their due date or payments applied to the principal after having 6 months paid in advance. On their tool, if I hypothetically send {$100000.00} today it would have the same effect as if I send i t on   XXXX   XXXX   sinc e that is how far I have paid the mortgage in advance.   Please refer to the attached documents. On the second spreadsheet on the  excel file, I per form recalculations on how the mortgage amounts should have been calculated after making additional payments to the principal. The first sheet is data directly as it is given on the QuickenLoans portal and downloaded as a  XXXX .
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2015-11-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (MD)

My identity was reported stolen to all credit bureaus in 2013 and the police record is on my file. PayPal credit has been continuously calling my phone about a debt I never owed and I have asked them to stop but they said the debt belongs to me. I also asked them to send me Documentations with my signatures on them but they have n't done so. Instead they 're asking me for a police report and I told them it is on my credit report and I will not file another one again. They have been calling me everyday from XXXX in the morning to late evenings. This is becoming unbearable and they 're harassing me. The number they 're calling from is XXXX. My number is also on DO NOT CALL REGISTRY.
Consumer complaint received 2016-06-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL (MO)

I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XXXX, after XXXX military service. I moved back to XXXX XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) XXXX XXXX, XXXX is the collection company in the states, represented by XXXX in XXXX XXXX.
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PR)

I did not find the right option for my complain, so here it is. 

This account was originally from GE Money now Synchrony Bank, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither Synchrony Bank or this collection company XXXX have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

RE : CARE CREDIT CARD, XXXX 2014 I had to have XXXX. dental work and the dentist office signed me up for a Care Credit Card for the {$8600.00}. bill. They said I would have no interest for a year promotion. To date I have paid $ XXXX balance and when I went to check statement, I found out that they accrued 12 months of interest for the entire year XXXXXXXXXXXX at 26.9 %! Putting my balance back up to {$8300.00}.!! I am shocked at this deception and of the {$3000.00}. I pd means nothing now. I read that there was a class action lawsuit about this, I called Care Credit and they were no help. I feel I have been unfairly taken advantage of and have no way to keep paying this dental debt as my pmts have increased as the entire balance back to near original amt! Please advise on how to get reimbursed via class action lawsuit. This was never explained to me, the dental girl said no interest for a year as a promotion special. I need advice quickly please.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MS)

I have a Care Credit Card. I have called the company several different times since 2012. I had a XXXX and was late on some of my payments. I called them to find out what options I had to get back on track since I was off work going back and forth to doctors to see what exactly was wrong with me. It took a year to find out that I had actually had XXXX strokes. In this time frame, I was not using the card for my doctor bills because I have insurance. But to make a long story short, I have paid all my promotional balances off according to my online statement. Today I called them and the representative tried to tell me I have an old promotional balance of like {$4.00} and then something about a balance of {$200.00} that is being charged interest. There is no open balances on my statement. The total amount of {$2200.00} is marked as unpromotional balance - which means interest on top of interest. No one can explain any of this to me. I have not been able to get anyone to help me resolve this issue since 2012. I am at my wits end to get this resolved. I do n't feel like I owe this but when I spoke to a representative and tried to get help I was informed by him that his supervisor told me to call XXXX. I called that number and it is to a debt collection agency or company to like consolidate debt and get on a monthly payment plan or something. I just want every one else that is considering getting a Care Credit Card to refrain from doing so. It is definitely not a reputable company.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NE)

I asked to have my XXXX account closed back in XXXX. I then paid off the card. An automatic renewal of a Fotor service for XXXX was processed through my XXXX account on XX/XX/XXXX. I called XXXX and they deny the account was ever closed, however even though I allegedly have {$4400.00} credit ... the charge was not made to the XXXX account but to a bank account associated with the XXXX account. Obviously the XXXX account IS CLOSED because the charge went to a bank account instead. This was an unauthorized use my closed XXXX account to satisfy the XXXX charge. When I tried to dispute the charge, I was told ( by an online message ) that the dispute could not be filed and I was locked out of my account. I could not get back into my account nor could I reset my password. I want the XXXX refunded to the bank account ( ending in XXXX ) from which it was removed without permission and proof that this XXXX account IS closed.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IL)

i purchased a snow blower this winter at walmart.com, and was told to pick it up at the walmart at XXXX in XXXX. i went to the walmart to pick it up, with a copy of the reciept but was not allowed to get it. i went to complain to the manager, and i was asked to leave the store. i complained by phone and by email, and asked for my money to be refunded. i was charged interest on the purchace and my credit was damaged, i NEVER got the item, but they are charging me interest on it. i would like to clear this up, but i need the interest to be removed, and all the interest that has accrued durring the time they have refused to straighten this out., my name is XXXX XXXX, i have been hospitalized and sick since XX/XX/XXXX.i am on federal XXXX. i am stayinhg with my parents recvering : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MA)

I applied and received a carecredit card back in XXXX. My XXXX almost died, unknowingly had XXXX and I used it to pay for vet bills that totated over {$6000.00}. I paid the card down to about {$3500.00} and then the XXXX rate was over and since I could n't pay the card off in 6 months I incurred the interest charges for the previous 6 months, which brought the balance up over XXXX. I continued to pay and then realized that I would never use the card with such a high rate and I called CareCredit to close the entire account. I told them I wanted to close the account and pay it off. At the time it was at about XXXX in XXXX. Fast forward to XXXX. I have paid more than the XXXX a month minimum payment in order to pay this debt off. The interest rate is a whopping 29 %. In XXXX of XXXX my card had a balance of XXXX. This is a card I 've not used since XXXX and have made payments above the minimum for XXXX years. I just checked the balance last week and it is at XXXX???!!!! I lost my mind and called Care Credit. I said how is this happening, it should be going down slowly? Come to find out they did cancel my card but did n't cancel security protection which charges me around XXXX. A profit they receive each month in addition to the 29 % interest they are charging me which is around XXXX. A total of {$170.00} a month plus the incurred interest on the compounded security charge. So I 'm not even hitting the principle. I lost my mind to say the least. When I told them I requested the entire account be closed and not to incur any more charges than my balance and the interest rate. The security charge should have been canceled back in XXXX. They told me it would take several pay cycles to go into affect. This company is criminal and I want my bill to be adjusted to remove the security charges dating back to XXXX, when the account was closed. I 'm floored that this company is allowed to exist. Their behavior is absolutely criminal.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank took over maintenance of my Amazon Store card. My payment for XXXX was returned by my bank. As soon as I realized this, I immediately paid the amount owed. I received an email from my credit monitor that the account had been closed as of XXXX/XXXX/15. I had just accessed the site and there was no mention of the account being closed. As of today, XXXX/XXXX/2015, there is still no indication the account was closed. I received a letter this week, XXXX/XXXX/15 that the account was closed due to too many returned payments. There was XXXX. I received the letter from Synchrony about the returned payment today, XXXX/XXXX/15. It was written on XXXX/XXXX/15. It does not take XXXX days for a letter to get from XXXX to XXXX. So I received the letter of a closed account before the letter of the returned charge. Looks like someone discovered they forgot to send the returned charge letter so they sent it after the closed account letter. The returned charge letter was sent presorted first class mail so there is no postmark. Meanwhile, I am expected to pay interest and finance charges on a closed account. This company seems to want to collect money without providing any services. I never received anything in writing from this company stating that the account would be closed if there are ANY returned payments. This seems like a very poor excuse to close a customer 's account. Especially if the customer has had the account for a long time with no problems. Writing to them does no good as they stick by their decision and just tell you you can reapply for a new account, but you can only reapply XXXX a year. A condition also not stated in writing. Can you please investigate to see who else they have gotten with this lame excuse and if my account can be reinstated? Maybe they will listen to you, if not to their customers. This company has taken over several of my accounts and thisi practice concerns me..
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (MD)

Yesterday, I went shopping at Gap store. When I checked out, the cashier asked me if I would like to receive an extra XXXX % off. I said yes and she asked me to type my birth date, SSN and annual income. I handed in my state ID and my XXXX credit card to her, and later she told me it 's done. After I received my receipt, I realized that I paid with another card ( gap card ). What a XXXX!? I did n't even know it is a card, even a credit card. How can she do that? Is it like a fraud? I did n't even have that card in hand ( which was not issued yet ) and activate it. 

After this, I did some researches online and I realized that this has already affect my credit score. I am a foreigner and I do n't know much about credit card things yet. I felt that was totally a lie/fraud to me. Now I just want to 1. pay the full bill. 2. Cancel the card without affecting my credit score. 

Thank you very much and hopefully hear from you soon.
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ray Klein, Inc. (OR)

So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.
Consumer complaint received 2016-12-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (MT)

I have a {$37.00} debt to a company called XXXX XXXX and is in collections by Credit Management? Or what ever it is. I have been trying to contact a XXXX XXXX in XXXX Mt. but phones have been disconnected and I have tried to find the name of the collection agency on the internet ... and???? What is going on? I have never used XXXX XXXX and do not know what services they even provide!!!! Some one please let me know ... It is only {$37.00} and I will pay it if I know what the bill is for!
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: EdFinancial Services (NC)

My student loan debt is crushing at $ XXXX. I 'm on a graduated plan paying {$400.00} a month which apparently does n't even cover interest at this stage. My rate is 5.25 % which I ca n't lower. My car loan is 2.99 % and my home mortgage is 3.75 %. I have an excellent credit score, but none of this matters. Something needs to be done about the rate and relief of our student loan debts. I did n't go to college for XXXX and XXXX degrees to live like this. I could do and be so much more without this bringing me down. Something must be done. I know I 'm not alone and hope someone is listening to what this is doing to us and how ridiculous it is. This should not be happening to us in this country. I did n't dream since I was a child to be the first in my family to graduate college and better myself to deal with this. I also graduated XXXX and got a XXXX in grad school. I did my absolute best and always strove to XXXX, but for this? Absolutely not. We all deserve better than this.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (RI)

I received a letter stating I owe a total or {$650.00} ( {$620.00} + {$25.00} returned check fee ) to XXXX # XXXX authorized on XXXX/XXXX/14 TRS Recovery Services , Inc.. I do not write checks at stores and this XXXX in question is located in XXXX. I live in XXXX and I have never been to XXXX. 

In order to dispute this " debt '' I have to send them all my bank account information per their website.
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. (MO)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$8000.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my credit report to the correct dates. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-01-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (FL)

I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) GOLD KEY CREDIT INC ; and 2 ) XXXX XXXX XXXX XXXX I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX pysicans group and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX