davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

I have had a Citgo XXXX card since XX/XX/XXXX. It has been closed for many years, but I have an auto payment drafted every month for the minimum due. 

Every few months, I check my account online to see how much the balance is, or other information about my account. 

Today I attempted to log in, but was unable to. The bookmarked site says the website is no longer available and listed an XXXX number to call. 

After multiple frustrating phone calls, I finally spoke with someone in the technical ( website ) part of XXXX who notified me that since my account was closed, there was no way to access my account online anymore. 

My stance is that as long as there is a balance owed, the account may be " technically '' closed for further purchases, but the account is still OPEN for making payments. ( If they want to close the account and write off the balance, I am amenable to that option. ) My issues are twofold : one - how can it be okay to not have online access to my account while there is still activity? And two,  was anybody going to let me know this was happening? I received NO notification about this from anyone. I 'm actually surprised that the autodraft continued uninterrupted. 

[ Some of the customer service reps said that Synchrony Bank bought out those Citgo XXXX accounts. I have no communication from Synchrony Bank as to whether this occurred. I might have a problem with Synchrony Bank debiting my bank account every month as I did not authorize them to do so, unless, of course, the fine print stated that the assigns of XXXX would have the same authority. ] What if I wanted to change the amount I pay every month, or the bank from which the payment is taken, or to check my balance or to verify the interest rate I am paying? And, again, nobody bothered to notify me of this change. I still do n't know when it actually happened. The last time I accessed my account online was in XX/XX/XXXX this year. It is unbelievable with today 's technology that XXXX or Synchrony or anyone is unable to keep an " account '' open while a customer is continuing to make payments. Surely there 's no shortage of server space.
Consumer complaint received 2017-11-22
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. Bank of America refuses to correct the mistake, so here I stand.
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (FL)

In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. 

The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. 

The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. 

Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. 

In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.
Consumer complaint received 2016-07-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX
Consumer complaint received 2017-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

I sent Experian a letter on XX/XX/XXXX, asking them to correct five mistakes on my credit report. They have not responded yet. They are supposed to respond within 30 days.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had transferred a balance to the Capital One credit card with promotional rate of 0 % interest. However the promotion was ok in first month but Capital One started charging interest on the balance, increased my minimum payment, which resulted my automatic payment to fall short and charging more fees on top on the interest rate. I called XXXX XXXX and they " opened '' a case saying they have to review the call recordings and in 2 to 3 weeks someone will call back. i said that is too long, the rep supposedly increased the level and said someone call you in a week. Its been about month with no calls and no change in the account regarding interest rate and promotion. I called after XXXX weeks passing and still no answer i am told by a manager capital one needs few more weeks with no guarantee and they are waiting for another info from another department and giving me no information nor working with me to resolve the issue, which initially they said they have to listen to the call, if they listen to the call its clear on the call and they will see the truth. This is costing me over {$200.00} in interest fees and much higher minimum payment resulting in financial problems. I need this taken care asap. Its a simple fix. No one transfers {$18000.00} with interest rate of over 20 %. All they have to do is listen to the call that i made the transfer on. It is clear on the call. More time passes they are gon na they do n't have the recording anymore. This is fraud and stealing money.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Company calls and does not provide name. It is a robo call that says I will " be sued on my social security number if I do not call immediately. '' I called them back quickly. Original calls receive two years ago from same company claimed it was on an XXXX debt 16 years old, new calls claim its on a Capital One debt 3 years old. When I questioned them, they said yea Capital One took over XXXX. They say I can pay them now or be embarrassed when the sheriff comes to my job to visit me. They used my old married name from 4 years ago and not even my current name so it can not be 3 years old. I do not and never had a card from XXXX. I even pulled a credit report first time they called. Nothing shows up at all for this collection agency nor the creditor that I claim to owe. I asked them to stop calling and they said fine then we will have the sheriff come visit you. They are aggressive on the phone and when I ask questions they say you know you owe money, cut me off mid sentence and tell me to pay. Last time they called me a dead beat.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

my account on their web site is not functioning, linkage is there but I could not open it so I could not see all transactions or detail. I asked them to fix it but they did not so request to get some paper bill but they did not so they are harassing me. 
I earned some interest and reward money but they did not send me any. 
There is no trust between us.
Consumer complaint received 2017-02-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC (TX)

I ordered copies of my credit report and noticed an account with National Credit Adjusters in the amount of {$1200.00}. I immediately filed a dispute with the bureaus to dispute the debt and additionally forwarded correspondence to National Credit Adjusters to validate and verify this debt by providing signed contract information and other various debt validation information ( creditor, debt amount, what the debt pertains to, contracts, interest, fees, etc ). 

By law I am aware that dunning letters are supposed to be sent to consumers to allow them an opportunity to dispute accounts/debts within 30 days. To my knowledge, I have never received a dunning letter from National Credit Adjusters, nor can recall engaging in business with National Credit Adjusters. 

On XX/XX/2017, I received a response letter from National Credit Adjusters informing me that they were in receipt of my dispute, and that per their letter, " To properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for research and investigation. '' This response is alarming! Per the FCRA and the Texas Finance Code, by law a company should be able to validate/verify a debt, and in the event they are aware that they can not within 30 days, they need to remove the trade line from the credit files. 

By law, this information is not supposed to report on a credit file with XXXX, XXXX and XXXX unless it was substantially verified and validated with the required information as established by the FCRA. Therefore, if this was completed, 30 days is sufficient time to furnish the information to a consumer.
Consumer complaint received 2024-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (SC)

A payoff statement was requested and provided with a pay-through date of XX/XX/year>. 
The payoff amount was XXXX XXXX XXXX of XXXX On XXXX, a check for {$350000.00} was mailed, but Shellpoint XXXX rejected the payoff, stating that the amount was short by over {$3000.00}. 

Shellpoint continued to charge interest on the loan amount. 
I made XXXX payments of XXXX, a total of XXXX. 

However, even after paying off all interest owed, an interest balance of {$5500.00} was still owed, according to Shellpoint. 

I pointed out this error, and no one could offer an explanation as to why. 
On XXXX, another attempt was made by the title company to pay off the loan. 
With the same amount as the original. 

This time, the payment was accepted with an overage of over {$4000.00}. 

For 3 months, I have called repeatedly to try to resolve this issue. 
Many times, my calls were answered, and when I confirmed my identity, I was transferred and promptly disconnected. Emails I sent to managers went with no response. All attempts to speak to management were futile. I was told on at least XXXX occasions to call back in XXXX weeks ... and still, not a single update or attempt to rectify the situation was done by Shellpoint. 

Additionally, Shellpoint is still charging $ XXXX for a HELOC loan XXXX has a balance of {$.00}. I was told to just take the minimum amount and close the loan, but due to the fact that the amount offered is inaccurate, I refused. 

Shellpoint has been a complete nightmare, and they are illegitimately holding funds that are owed to me and my family.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NE)

I signed up for a southwest rapid rewards credit card through Chase. They were running a promotional offer, an offer they are still promoting today, of which if you spend {$1000.00} within the first three months of opening your account, they will add 40K bonus points to your card. After opening my card, I spent the next few months spending the required amount. On their site it states that it may take up to 8 weeks for the points to be added to your card. After the eight weeks had passed, I still had n't received my bonus points. I reached out to them to ask why my points had n't been added to my account. As it turns out, to get the bonus points, I had to spend {$2000.00} within the first three months to receive 50K bonus points. This was not the offer I was believed to have signed up for. They clearly are running a bait and switch promotional offer to get customers to sign up. Customers believe they only need to spend {$1000.00} to get the points, when in reality they need to spend {$2000.00}. It is false advertising and misleading.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: I.C. System, Inc. (CA)

I 've had this company call my work after i 've told them that I cant receive call at work1 I 've even given them my correct number to call me at but they keep on harassing me at work and leaving messages to my coworkers. ic system
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have XXXX credit cards with Capital One, XXXX card with XXXX limits, and XXXX card with XXXX limit. On XX/XX/XXXX, I attempted to use card # XXXX for an {$8.00} purchase and it was declined. I called Capital One to check my balance. I was told by customer service rep named XXXX that the annual {$59.00} charged to my account. This resulted in {$500.00} over the limit. I requested that Capital One wave these annual fees on all my credit cards because ; 1. There is NO added benefit to any of these cards. 2. I have had a Capital One credit card holder customer since XX/XX/XXXX. And 3. I have XXXX cards with them and they are charging me {$59.00} on each card. 
The XXXX XXXX told me he could not wave the {$59.00} fee because I was over my limit. This was because of the annual fee charge. I do not agree that they should have the right to charge the fee and put you card over its limit, then tell the customer that they can not wave it because you are over your limit. 
Next, I have ask Capital One on another occasion to combine these XXXX cards and their response was that because I had an outstanding balance, they could not do so until they were paid off. I have since realized that these are not written policy but they simply refused because they are gouging me with annual fees and interest. They indicated that the card I have are not eligible for line increases and that to have the annual fee waive you must have a credit limit of {$3000.00} or more. I have applied for line increase, and always declined, poor level of service, never offered any up- grades, even though I have been with capital one since XX/XX/XXXX, my accounts are always paid on time ; even when I have called to dispute a charge or service, I have received push back from Capital One not want to handle the dispute. This is the joke! And equates to predatory lending. I do not think my purchases show go declined while they debit my account for an annual fee and refused to waive it because my account is over the limit due their charges. They also refuse to transfer you to a manager when ask or escalate these issues when ask. 
At this time I am requesting that they combine all XXXX cards to XXXX and refund my annual fees. They do not have the right to levy annual fees for no particular reason.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Opening Experian and XXXX XXXX, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

In prior many occasions when I tried to pull my free annual credit report and also when I tried to pull a free credit Report due to ( in this case : denied credit ), Equifax denied me that right for convenience to get my free credit report online. I included attachements that prove the Equifax denial of my right of free credit report intentionally. The attachements are of my most recent requests of my free credit report from Equifax. I called Equifax many times ( I have proofs of those many calls if I decided to go to court and show that to the judge ) and urged them to stop blocking me from accessing my free credit report ( described above ) online but Equifax did not address that issue. I havent taken this case and other against Equifax to court yet until I hear from them through this consumer portal of their response/s and action/s to solve the problems they caused to my person intentionally because there is no justification provided as shown on the attachements, they wanted to make it harder against me to get my free credit report and instead use paid service to Equifax for that purpose that can be accessed online for free as described above why it is ligitimately had to be free. 
I think Equifax is engaging in an ethical business behaviors by denying a basic right to a consumer ( myself ) for a free credit report. I think that federal regulators should investigate this credit bureau further for this unethical sales tactics. Equifax by denying my right of my free credit report is targeting my person to obstruct my continuous monitoring of my information and by harming my financials that way, Equifax is encouraging other parties, that I did not consent to access my credit report, to use my credit information and destroy my financial reputation. 
I demand from Equifax to give me detailed information of their reason/s to deny me to access my personal credit report. I will not accept scripted or general statement from Equifax I am expecting detailed information related to me and I think I am clear on this with Equifax and they know I am asking ligitimate answers not an answer that can be used to just show off it was a response to my formal complaint against Equifax. 
Signed today XX/XX/2017
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COMPUTER SCIENCES CORPORATION (WI)

XXXX XXXX initiated harassing collection style calls to my wife 's cell phone alleging late payments and threatening harm to our credit and lawsuits if we did not make immediate payment. My wife had purchased a new car and traded in the XX/XX/XXXX for a XX/XX/XXXX. The payoff was evidently XXXX short due to a mistake that the purchasing dealership had made. A XXXX payment had been deposited by XXXX XXXX days earlier. A letter arrived to our house the same day that the harassing calls started. The callers were angry and accusation each time. The terribly rude behavior continued several times per day, even though the paperwork they sent stated that a payment was not due for another XXXX weeks..