davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (PA)

I received a letter regarding a disputed bill with an XXXX XXXX dated XX/XX/20 from PennCredit Corporation. I mailed to them a 'cease and desist ALL communications ' letter ( because it is disputed ) on XX/XX/20. However, I continue to receive phone calls per my caller ID from this collection co. ( PennCredit ). They have called : XX/XX/20 at approximately XXXX from XXXX ; XX/XX/20 at approximately XXXX from same # ; XX/XX/20 at approximately XXXX from same #. 
I believe they are in violation of the law by persisting in making contact with me after they have been notified to STOP and that this bill is DISPUTED. Any reporting of this DISPUTED bill on my credit report causes damages.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IN)

My data was both hacked and my server was changed by remote access 3 years ago. Every sire was hacked and ruined. XXXX, XXXX  and all browsers were hacked. 

Last year, my bank, XXXX XXXX XXXX  in XXXX In, was invaded and a XXXX dollar phone transfer was made. On XX/XX/XXXX, a telephone transfer was made. The bank XXXX, when I told them about it-they said they had my info. However, I was at XXXX XXXX in XXXX recovering from XXXX XXXX on XX/XX/XXXX. I have documents to prove it. My emails, XXXX, business and job sites were hacked. 
6 months ago I made a XXXX payment to Care Credit. I never received another bill. My bank, XXXX XXXX XXXX  at the time, said the payment went through. But not to my account. Someone else was getting it. 
Today I received a letter from Synchrony Bank denying a Pay Pal Account. 
I did NOT DO THIS. 

I also received ed a bill from lawyers that said XXXX card was suing me for XXXX I know my XXXX email is being used and so is everything else I own. Phones as well It began with XXXX router being hacked in XXXX and still is happening
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (GA)

hi i been homeless for the last 6 years because of this derogatory mark on my credit report since XX/XX/XXXX its been 5 years and 8 months and i have 13 months left til this account makes 7 years and fall off my credit report. due to covid 19 and winter coming i called professional debt mediatio on XX/XX/XXXX and ask for removing of this account due to covid 19/ my homeless condition because of this derogatory mark/ plus this is and old account. I explained my financial situation to the collection agent due to covid 19 that im unemployed and can they accept my offer to have this deleted from my credit report so i can rent a apartment to live in before winter due to covid 19.I was rudely told i will remain homeless 13 more months and they wont accept my offer.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NY)

I previously had membership with Navy Federal that was closed due to an issue with my membership validation. Now, I have the correct information to show my ability to be a member through my grandfather 's military service. When I called, Navy Federal said there was a security hold on my account. As such, I would need to complete an appeal form and submit it with proof of my grandfather 's service to the security department. I did that. After an initial review, I was told they would need me to send in a form updating my address and proof of my new address/identity in the form of my license and a bank statement. This was not a problem and was promptly sent.

To say that I have been given the runaround from Navy Federal and that their security and customer service are the most incompetent, rude and entitled group of people I have ever dealt with would be an understatement. I have been told my eligibility was confirmed, then I was told more paperwork was needed for eligibility, then I was told it was confirmed again. Then I was told by one rep there was never actually an eligibility issue ( which is why I was told they closed my accounts years ago ) and that I shouldn't have filed an appeal. But the next rep said I was correct to file an appeal. Then I was told the form to update my address would be processed first, then the security department would confirm my documents with the updated address ( i.e. ID/bank statement ). I called multiple times and multiple agents said they put notes so that it would be seen that the updated address needs to be processed first then the documents verified. I just got a message that the documents were rejected because they don't match the old address - because nobody ever updated it and they tried to verify it against the old information like they said they wouldn't. Tonight, when I tried to call the security department AGAIN, agent XXXX told me that they were closed. 

So at this point the bank is denying me an account, won't tell me why, won't confirm my eligibility is established and whether the paperwork submitted is sufficient, did not update my address, caused processing errors by trying to confirm an old address, and failed to explain any of the events logically. That I have to deal with this is appalling. That our military/veterans have to deal with this is disgusting. This is not a credit union, it is an unorganized dumpster. 

Let me be clear, while Navy Federal has been fined previously by the CFPB for their appalling business practices and they have learned nothing.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

I began my relationship with Synchrony via Care Credit nearly XXXX years ago. At that time my credit report had the exact same things listed as it does now, other than my newer accounts. I used this account at my XXXX, paid on time, and paid the card off several times before the promotions ended. This card carried no balance and had for months.In XXXX I see that my account is closed. I never received anything about its closure so I reached out and was basically told theres nothing that could be done and they would send another letter. In this letter they listed the reasoning, which was no different when they extended credit nearly XXXX years prior and gave me a higher interest rate. The only extra excuse they gave was No first mortgage listed. So, during a housing crisis and soaring home prices, Synchrony feels that not having a mortgage is a reason for no longer extending credit ( because everything else is the same ). This hurt my credit badly. Now, in the last XXXX months they have dropped the spending limit on my Sams Club card, as well as my XXXX XXXX XXXX card for the same reasons. Again- no collections, no late payments, etc new on my credit since they extended credit to me. However now my credit ( according to them ) has dropped nearly XXXX points. I have pulled my XXXX scores and can not find the score they are using, which I assume is the XXXX XXXX XXXX ( most often used by credit card companies ). My XXXX XXXX score from XXXX isnt showing the same as what synchrony is citing. I also pulled my credit reports from all XXXX bureaus and can not find anything harmful recently that would adversely affect the decision made by synchrony to deny credit. All of my payments have been made on time and I had paid off my Sams and Care Credit multiple times. No other creditor has done this to me. Theyre harming my credit simply because I do not have a mortgage. All of these other potentially negative things were there PRIOR to the extension of credit. This is an unfair practice and I have read the comments of so many people that they have done this to also. Someone please investigate these unfair practices.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (FL)

I applied for an18 months no-interest credit card FROM Wells Fargo. I was approved and then completed a balance transfer. 

They continually charge me monthly fees, interest, etc., which is completely contradictory to what terms and conditions I applied and got approved for. 

I've made FIVE ( 5 ) separate calls to their business office asking them to straighten out the problem, All I get in response is " we've assigned a case number and a rep will be getting in touch with you ''.

No representative from WF has contacted me, as the billing issue continues. I'm paid up to date on my payments, and I'm disgusted with this bank XXXX customer service I'm aware of all the systemic legal problems WF has had in recent years including fines, corruption, etc. My issue is a SIMPLE FIX. 

PLEASE HELP ME ... ... ..
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We booked a vacation through XXXX XXXX for a vacation on XX/XX/XXXX. When we booked it the agent said that if the Covid-19 situation got worse we would be entitled to a refund. Before our vacation Gov XXXX initiated a travel restriction to the state of Nevada. Being high risk we could not risk our health as well as follow the 2 week mandatory quarantine. XXXX XXXX said they could issue a travel voucher but as far as a refund goes we would have to file a dispute with our credit card company. 

I filed a credit card dispute with Citizens Bank in XXXX for the amount of {$1400.00}. We were told that it was successful and we were credited {$1400.00}. In early XXXX we then received a letter stating that " a dispute form was sent to us on XX/XX/XXXX requesting specific details pertaining to our dispute '' and that the temporary credit was going to be reversed on XX/XX/XXXX. I immediately called XXXX XXXX  asking for an explanation of the form ( which we never received ). They said someone would contact me in the next 24 to 48 hours. I never received a call. I called again and was told I would be contacted within 24 to 48 hours. I never received a call. The third time I called I spoke with a supervisor and was promised that I would be called back. There was never a return call. I also made a 4th attempt but there was no return contact.

My 5th call was on XX/XX/XXXX and I spoke with XXXX ( confirmation number XXXX ) and she said the form was an affidavit that needed to be signed and that she would send another that would be received in 7 to 10 days. I patiently waited but no form was ever received. 

On XXXX I called ( 6th call ) and spoke with another supervisor named XXXX. XXXX could not provide me with any reasons why I was never contacted but gave me a case number of XXXX.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B )  ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX/XXXX XXXX   XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (TX)

I received a letter from this collection company seem like they are trying to reaging a debt it has already been taken off my credit reports. it has pass the time for to be remove and now this collection agency trying to collect until they have some validate docs showing any type of signature stating that i owe this debt they trying to offer a settlement all of a sudden you trying to contact me not stating any information for any reason someone could have been using my ss number to open a account til i get any documents bill statement is not showing anything need this company stop trying to contact me i will dispute this if i have to you messing with my credit reputation im trying to fix my credit at this moment
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (IL)

Upon a recent statement check, I noticed an Interest Charge on Balance Transfer. Such said balance transfer was never initiated by me. The Balance Transfer is a fraudulent transaction on my behalf. I never signed a check or authorized a balance transfer. I asked First Bankcard representative to provide a record and proof that such a transaction was initiated by me. The representative quipped that they no longer have a record of the transaction, they " only have a note on the date and amount '' They refused to provide a record copy of the transaction.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have been a Citibank debit card holder for around 1 year ( opened XX/XX/XXXX ). On XX/XX/XXXX I was restricted from accessing my account. I called technical support to see what the issue was. I was told " my account is subject to closure and you will receive a letter in the mail along with the funds in 30-60 BUSINESS DAYS. '' THIRTY TO SIXTY BUSINESS DAYS ... That is a long time to hold onto my funds without giving me a reason as to why my account is closed. 

Since then, I have tried to contact them on multiple occasions. On these dates, I called different citi departments who routed me to the risk department department ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On each occasion, I verified my account, was told I would receive the letter in the mail in 30-60 business days and that they were going to hang up now because that's all the information they could provide. 

Why can I not get an answer as to why my funds are on hold and account is closed?
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Simply want to remove EQUIFAX credit freeze. It was a piece of cake to remove a credit freeze I set up with XXXX XXXX and Experian but I'm caught up in " Computer XXXX ' with trying to do the same with EQUIFAX. They ask for my cell phone number ( which I never gave them XXXX but when I give them the number it comes back as not in their system. So I give them my land line and then they say THAT number is incorrect. Then they feeze my account for XXXX minutes then wash, rinse, repeat. 

I simply want to remove a voluntary credit freeze for 30 days so I can refinance my house. 

EQUIFAX seems unable to accomplish that simple task.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I just filed a complaint ( # XXXX ) against PPH Mortgage on XX/XX/XXXX regarding lost payments and here we go again. The complaint was closed on XX/XX/XXXX with the late fees being reversed. I just received my XX/XX/XXXX mortgage statement from PPH Mortgage Services ( PPH ) ( f/k/a Ocwen Loan Servicing ) and saw that there was a charge for a BPO in the amount of {$110.00}. I called PPH customer service ( XX/XX/XXXX ) to ask what was a BPO was and why this expense was being added to my account. Customer service explained that it was a Broker Price Opinion but could not explained what it was or why it was being applied to my account. ( BPO, means, a real estate professional looks at your house to give an opinion on the value of your home. ) There is no need to have a BPO done on my home. It is not in foreclosure or bankruptcy. Customer service, stated that it would take XXXX days before I could get an answer which was not good enough. I have an XX/XX/XXXX mortgage with PPH. The BPO fee was applied to the 2nd mortgage ( as if I would not see it XXXX, and not the main mortgage. I feel like this is harassment and retaliation for filing the complaint with the CFPB because PPH could not get the late fees for XXXX and XXXX, so now they are trying to add an unjustified illegal BPO fee. During this COVID-19 pandemic, homeowners can barely pay their mortgage and to add unnecessary fees is just highway robbery. I have paid my mortgage every month, and unfortunately, I need to take certain precautions in dealing with PPH. Apparently, PPH does take any complaints from CFPB serious because they turn around and try to gouge consumers with unjustified fee. Attached also is the delivery receipt of my XX/XX/XXXX payment in case PPH claim that they did not received it.
Consumer complaint received 2023-01-12
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2020-10-15
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: Experian Information Solutions Inc. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC (MD)

I have had a credit card from XXXX since XXXX. When I wasn't able to work in XXXX, due to a XXXX XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to XXXX, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.