davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my TransUnion credit report several months after a Chapter XXXX bankruptcy discharge and found numerous errors, so I filed a written dispute via a detailed certified letter. Not only was a lot of my personal information incorrect, the main issue was that the creditor accounts discharged were still noted as delinquent and every trade line contained negative information. Since accounts discharged in bankruptcy are only allowed to reflect this wording and a XXXX balance, and no other negative information can be shown on the account 's trade line, I filed the dispute mainly in regard to the accounts in question. When I received the reply from TransUnion, it was very apparent that no one read my very detailed letter nor did they pay any attention to the meticulous documentation ( my bankruptcy discharge, the creditor matrix and petition ) I enclosed because they did practically nothing to correct the errors in my report. Other than deleting the wrong addresses and some of the incorrect phone numbers listed in the file, nothing else was fixed. They even created a new error by removing my current employer and adding a previous company that I worked for 15 years ago in it 's place! Each of the creditor details were the same and included the very same negative remarks that were there in the first report I reviewed. I spent hours and so much time putting together the package that I initially sent them with notes and back-up documents the first time around to actually have things fixed. I just want it corrected once and for all. I 'm trying to put my life back together. After a bankruptcy, you take the hit by having that public record notation in your file for 10 years. Every trade line in your credit report gets " Bankruptcy '' added to it, as well, but they do n't get to keep any of the balances, delinquency notes and collection remarks, on top of it. Is n't that why you went down the bankruptcy path in the first place - to wipe those slates clean? So in closing, I just want the errors and delinquency information appearing in the trade lines of my TranUnion report fixed once and for all. I have attached a copy of my dispute letter along with the first credit report I received from TranUnion with all of the errors highlighted, the supporting documentation, and the so-called " revised '' report I then received from Transunion. Thank you in advance for your time and assistance.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

I have a Chevron/Synchrony Bank credit card. I had auto-pay set up to pay the minimum each month, so that I would n't be late on any payments. XX/XX/2016, I closed the bank account which used to make payments. I logged into my Synchrony account, and updated my payment information to my current bank account, and paid the existing balance on the account, which cleared my bank on XX/XX/2016. 
Today, I received a letter from Synchrony Bank notifying me that they were closing my account due to " a number of dishonored payments. '' I called Synchrony Bank, and they told me that they had tried to make the minimum monthly auto-payments from my old bank account, but that they were returned. These returned payments began XX/XX/2016. 

This is the first notification I have received from them regarding any dishonored payments. I was not notified that there was a problem. If I had known this when it first started, I would have taken care of it immediately. 

I am not really concerned with continuing to use my Chevron credit card. But I am concerned with how this closed account will affect my credit score.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (TX)

Barclay is reporting that I was 60 days late in XXXX XXXX, brought my account current in XXXX XXXX, then in XXXX XXXX allowed my account to go 150 days delinquent and then brought it current again in XXXX XXXX and they charged off my account in XXXX XXXX. This is inaccurate reporting. My account went delinquent in XXXX XXXX and was never brought current again. This account has been on my credit report for 2 months past the 7 year mark and I want it to be removed per the FCRA 7 year reporting law.
Consumer complaint received 2016-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL (FL)

I received 14 calls in one week. The call at XXXX XXXX on Saturday was the last straw. They also called while I was in another state attending a funeral. I do NOT have an account with them. I requested them to stop calling me four times and they continued to call. Finally I was told they were calling for XXXX XXXX. I do not know this person. Again I asked them to stop calling and they continued so I called them after ten minutes I got a Supervisor XXXX from Symphony Bank XXXX XXXX XXXX XXXX Ohio. That was all the information they gave me. They kept asking for my Social Security Number I refused to give it to them. They called from XXXX then instructed to call XXXX. They deserve some National Do Not call training and a hefty fine. I would appreciate your. I have been on the Do not call registry for years and checked to make sure I was still on there.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

This relates to existing Case No. XXXX against XXXX XXXX XXXX. I want to file a complaint against Citibank Corporation. in XXXX, 2016, my father purchased a chair and he paid for it with his Citibank card. The total purchase was {$1000.00}. When he received the bill from Citibank in XXXX, he wrote a check no. XXXX on our joint XXXX XXXX XXXX account for the full balance. It was put in a Citibank envelope and mailed. In XXXX, Citibank called him and asked him why he had not made his payment. I contacted Citibank and gave them the check number and that it had cleared on XXXX XXXX. I also mailed them a copy of the check. I also contacted XXXX XXXX XXXX and opened up a fraud claim. Citibank rejected the copy of the check because they did not receive the payment. They removed the conditional credit and added late fees and interest. I contacted XXXX XXXX XXXX and received a claim no. XXXX. XXXX XXXX XXXX informed me that the check had been cashed by unknown persons at Citibank Branch No. XXXX/Sequence No. XXXX. They indicated that would contact Citibank. Then I heard nothing for a long time, and continued to try to follow up and finally filed a complaint with the Federal Reserve. I received promptly in XXXX a letter from XXXX XXXX XXXX to forward to Citibank which I did. Citibank just recently sent correspondence to my father indicating that they did not cash the check and would not pay the check. Citibank has now accumulated over {$100.00} in interest on the unpaid balance of {$1000.00} despite the fact that have sent them letters, and XXXX XXXX XXXX has sent them letters. Now my dad owes them {$1100.00}, so I have to pay that balance and close the account, but I need help recovering that check from either Citibank of XXXX XXXX XXXX because they playing against each other. XXXX XXXX XXXX says they ca n't return the funds to the account even though they paid the check. Citibank just wo n't deal with it.
Consumer complaint received 2016-08-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BTH Management (DE)

I was unable to pay back loan due to divorce and increased debt and same income. The debt was passed off to new company which advised that they sent me a letter in XXXX 2015. I had not received any correspondence until I saw debt on credit report which did not offer the 30 days time frame to dispute or make payment arrangements before the being reported to bureau. Upon seeing the debt I called the number on my credit report and the representative advised me that there is no opportunity to settle the debt. I advised of my situation and she said no. I called back today which I was able to settle the debt and be placed on a payment plan. Also, the lady I spoke with apologize and told me sorry about the letter but there should have been one sent XX/XX/2015 but she is nor sure why so she will send me an email version. I just received a validation of debt which if was received I would have avoided the credit bureau report and settle the debt since my financial circumstances was getting better a the time and I Had a new job offer which was going to pay more. With me not getting the provisions that the fair debt collection and credit reporting act afforded me this debt is now on my credit bureau and is negatively impacting my ability to possible maintain a security clearance which is needed to maintain or obtain other paying jobs. I am requesting that since the 3o days which was just afforded to me today was not given in XX/XX/XXXX that this debt be removed form credit report, especially since I have now made a payment arrangement that is set from my debit card.
Consumer complaint received 2016-08-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (CA)

I was behind on my car payment. Today is XXXX XXXX. My last payment was XXXX XXXX. The balance I now have due is about {$970.00}. This past Thursday my vehicle was repossessed. I keep attempting to contact American Credit Acceptance but the company is not responding. The number I was given to contact them is ( XXXX ) XXXX. I have very expensive items in my vehicle because I listed them online to sell them in efforts to raise money for the remaining balance. If nothing else I need my belongings out of the vehicle. Please help.
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WEICHERT FINANCIAL SERVICES (NJ)

In an effort to make our closing date, Weichert Financial Services has been submitting disclosures to me electronically. While this process is convenient, they have routinely asked me sign within a XXXX hour period despite obvious errors in the disclosures including errors in my own personal ( phone #, home age, work address ), understated monthly payment amounts ( which failed to calculate my property tax correctly despite having done so correctly in previous calculations ), closing cost errors ( including understatement of property tax, failure to extract payments made out of pocket ), etc. I have been routinely asked to " just sign it '' as " it will get corrected and worked during closing ''. However, I feel that this is misaligned with the intended purpose of a disclosure. Luckily, I am an XXXX and XXXX, and while I am not a mortgage expert, I am certainly sensitive to misinformation. With this behavior by Weichert Financial Services, a less vigilant buyer may end up in a mortgage they can not afford. I can certainly appreciate the effort to expedite our process, but I fail to see the benefit in a disclosure process that encourages acknowledgement of inaccurate payment figures, personal information, or mortgage costs. Thank you
Consumer complaint received 2016-08-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (TX)

In XXXX XXXX, we contacted Quicken to find out the possibility of deferring one mortgage payment on our VA loan due to a hardship that we were encountering. We live in XXXX, TX and our air conditioning system stopped working and needed to be replaced. This was going to be a huge burden to our financial situation since my husband is currently unemployed/seeking employment, and we are already stretched beyond too thin. 
Quicken stated they did not defer payments and could not offer assistance. They gave us a list of agencies offered through the VA who might be able to assist, none of which we qualified for. We had also contacted the VA, since we have a VA loan, asking for advice and any assistance. They thought certainly this would be considered a hardship by Quicken and they would provide some type of assistance, e.g. a loan modification, but this was not the case. 
We tried in the months that followed to secure monies for our A/C system, with no success. When the heat started to be too much to bear, we had to make the choice to use our mortgage money to begin the process of replacing the unit. This would cause us to be more than 30 days late on the XXXX mortgage payment. Mind you, we did not miss a payment, we were just late for one month. 
We notified Quicken that this would be happening and again stated our hardship situation. We have since paid the following 4 months within 30 days of the due date and are back on track. 
The sad and shocking part is, Quicken decided to send notice to the credit bureaus that we were over 30 days late that one time. This has caused a black mark on our credit report in the midst of an already challenging financial situation. We did send a letter to Quicken in XXXX XXXX requesting a good will adjustment be made by them. We requested that they simply contact the credit agencies to remove that one black mark from our credit report of a late payment. They refused. I had researched the internet and found that the request of a good will adjustment was a common scenario with success by many companies who are actually trying to help their customers, even just one time. Not Quicken. 
In these days of hardship for so many families, why could they not be willing to do that one simple act of kindness for a customer and veteran who fought for the American dream and is trying hard now to secure it for his own family.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AZ)

The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XX/XX/XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transfered to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until XX/XX/XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA Federal Savings Bank has tried to get in touch with me with this letter dated XXXX XXXX 2016. Then on XXXX XXXX 2016 I get a second letter about my checking account. I have not been able to get into my checking account for many months now. I have sent in money to cover the {$34.00} amount that was not paid. Seems USAA returned that payment I sent in on XXXX XXXX 2016. Why are they allowed to do this? 
I still feel that the have discriminated against me due to my age as I am XXXX.
Consumer complaint received 2016-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Blitt and Gaines, P.C. (IL)

I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. 

I fell behind in my payments and my loan fell into default. 

After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). 

For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. 

Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. 

When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. 

WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. 
I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. 

The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TN)

I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I was offered a position with XXXX who ran a background check on me through XXXX XXXX. XXXX HR Dept. contacted me and said there was an Issue with my background check that I owed XXXX {$5300.00} for a past due account on a short sale and that I need to clarify. I had a short sale with XXXX which closed XXXX 2011 with no recourse of monies owed. They are also reporting 2-30 late, 1-60 day late and -1-90 day late. These are incorrect as well I did have a couple of late payments due to the fact that I was informed by them that in order to qualify for a short sale I had to be in errors in order to proceed. So they effected my credit even though I was willing to make the payments on time to keep the short sale damage to my credit at a minimum. They said there was no way around it! I would have had 1-30 day late on my report but they kept dragging out the short sale which all it did was hinder me more all the time affecting my credit. I need this rectified as I have been unemployed for 9 months with my unemployment running out this would not be a good thing for a XXXX XXXX XXXX trying to find work. Please look into this as time is of the essence. I would appreciate any help you may be able to provide.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC (TX)

Name of Creditor : Financial Control Services Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, TX XXXX Re : XXXX Amount : {$330.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (VA)

I went on the Quicken loan website to inquire about a thirty year fixed rate mortgage loan. The interest rate and APR was advertised at 3.18 %. My credit is excellent. XXXX XXXX. The lowest offer that came back was 3.50 %. This occurred on XX/XX/2016. This seems odd given my credit score.