davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Client Services, Inc. (AZ)

This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I purchased a bed for XXXX {$1400.00} from Sleepys in XXXX XXXX. I would 've paid for the bed in full at that time. However, I was pressured into taking a 'no interest ' 12 month loan ( which was sold by Synchrony Financial ). I then setup the account for minimum monthly payments ( which I planned to change when 1 yr was up ). However, I just went into the account and noticed that on XXXX XXXX I was charged a FULL YEAR OF INTEREST ( at 30 % APR!!!! ) retroactive from the time of purchase. Nobody EVER said anything about there being a retroactive charge. In fact, I worked in finance ( at XXXX Bank ) for 8 years ( until I switched industries last year ) and have NEVER heard anything like this before ( it 's such a scam!!! ). At the ABSOLUTE LEAST, they should be required to make it EXTREMELY CLEAR ( and get verbal affirmation ) that they charge you a full years interest if not paid in full within 12 months. I 've been charged {$620.00} in interest for a {$1100.00} bed purchased about 15 months ago! I 've just gone in now and paid this in full. But, it is totally ridiculous!
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Reading the report investigation regarding Navy Federal Credit Union and the issue of locking out members from accessing their account ( s ) & bank cards from XXXX. I would like to report that the practice has continued into XXXX as my online access was blocked for a few months now as my card to date but this has happened to us since XXXX. My son has had this same issue since XXXX to date as well.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (SC)

On XXXX/XXXX/2016 I submitted a notarized affidavit of fraudulent transaction to Wells Fargo for charges that I never made or authorized. Wells Fargo allege they did an investigation and said no fraud occurred despite XXXX letters from myself stating such and the fact that the bank the money they said the money was forward to I do not have an account. I have forward a police report, notarized affidavit through the FTC, and they refuse to adhere to the Consumer Protection Act and the Fair Credit Reporting Act under the FTC. In XXXX certified letters and XXXX phone conversation to Wells Fargo Unit I have requested the full account information so that I may complete the police report to seek charges against the suspect ( s ). To date all correspondents state I can have all information included in their investigation upon request ; however, to date Wells Fargo has refused to provided me any the information which they say but has to date refuse to provide and in fact in phone conversation has stated they can not give me that information of my account activity. To date Wells Fargo has never initiated a call or any communication with with me for any details or facts of the theft. All actions, reports and follow-up have been by me trying to get the matter resolved and the information of the suspect to seek criminal charges. In XXXX of my calls the Wells Fargo Fraud to follow up on if their was any investigation being done, the representative did ask me if I had an account with Bank XXXX XXXX ending with XXXX. I told them I nor any authorize user have a checking or saving accounts with Bank XXXX XXXX. To be sure no account was fraudulent opened or existed in my name, I contacted Bank XXXX XXXX and forward the information to Wells Fargo Fraud Unit of the Bank XXXX XXXX Fraud representative I spoke to that there are no accounts in my name and that they can not identify the owner of the account without the full account number. Wells Fargo either is trying to make me pay for their mistake or they are trying to aid the suspect in their fraud efforts but in doing so they are in violation of the consumer protection act and Fair Credit Reposting Act by keeping the fraudulent charges on my credit and not correcting the fraudulent charge after being notified within the stated time frame.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (MD)

M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ). 
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known. 

M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure. 

M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.
Consumer complaint received 2016-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (VA)

I have been contacted by XXXX XXXX of " the legal department '' of ARA , Inc., claiming to be a collection agency attempting to collect an alleged debt of which I have no knowledge. I did not find the alleged debt, " XXXX XXXX '', on my credit report. XXXX XXXX has contacted me numerous times by telephone : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX And today I received the attached letter via XXXX. In the telephone conversations, XXXX XXXX raises his voice and demands immediate payment of the alleged debt under threat of immediate civil action without affording me an opportunity to dispute the debt or even inquiring about the nature of the debt. He claims the debt is for an account dated XXXX. Even if this alleged debt were true, and I emphatically do not stipulate that it is, the statute of limitations in Illinois for such civil action has long passed. I asked XXXX XXXX for his agency 's address ; he refused to provide it. I asked XXXX XXXX to provide validation of the debt ; he refused to send it. Furthermore, a search of the records of the Illinois Department of Financial and Professional Regulation yields no Collection Agency license for XXXX XXXX or ARA, or for XXXX XXXX, the ARA manager named in the letter. I believe this is an illegitimate, fraudulent attempt to collect a fictitious debt.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my total outstanding balance by a check, dated, XXXX/XXXX/16 ; received a statement today saying I was past due and charging me a late fee and interest. I called, they said they still have n't received payment. I sent the check with the preprinted address and window envelope. Where is the check, where is the payment that I made?
Consumer complaint received 2016-11-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (NJ)

My auto loan was purchased from First Niagara by Key Bank in XXXX. I have been making my payments online since XXXX with no issue before this purchase. On XXXX XXXX, posted on XXXX XXXX, I made a payment of {$360.00}, well above the normal {$330.00}, for the XXXX XXXX payment. This payment somehow was not recorded correctly as a normal payment, but XXXX that went directly to the balance. I called on XXXX XXXX to have this issue corrected. I was told that an adjustment would be made in 5 business days and thank me for the payment. 

On XXXX XXXX I get a statement where I owe {$680.00} which includes a late fee. The phone system does not recognize my payment in XXXX, but the website does. I again called customer service to have this issue fixed, which I was told they will immediately. As a good faith measure, I made another payment of {$310.00} for the XXXX XXXX payment. 

On XXXX XXXX at XXXX, I get a phone call from collections stating I never made a payment since XXXX, that I was delinquent by over 20 days, and they threatened to take my car and destroy my credit score. Obviously I was rather upset. I gave him all the information and associated emails FROM Keybank recording my payment. They said they noted it but I need to make a payment. 

I again called Key Bank customer service in the afternoon and asked for a Supervisor. After waiting an hour, I got XXXX. I explained to her the situation. She informed me that On Line Payments, the same system we were told to use when Keybank bought First Niagara, did not take normal payments. THIS WAS NEVER TOLD TO ME AT ALL! I told XXXX that I made a payment online on XXXX XXXX and I need to have this adjusted like the payment in XXXX. I told her, if you look at my account history, you 'll see I have made a payment on time or early for the entire life of the loan. I wanted documentation that this issue is their fault and that they are fixing it. They would not do so. I instead got XXXX direct number. 

At this point I feel helpless. I am getting punished for making an EARLY payment and worst yet, the only way I can make a normal payment is by sending it by mail as their online banking is n't capable of accepting the payment. What is this? XXXX? What bank in XXXX not except online payments!? 

I informed them that if this issue is not corrected by XXXX, I will contact a lawyer.
Consumer complaint received 2016-11-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

Funds were taken from my XXXX XXXX XXXX savings account without my consent. ( XXXX entries on XXXX for {$89.00} each. ) These funds were sent to a fraduulanet Paypal account. I spoke with XXXX, they sent me to Paypal. After waiting over three weeks, PayPal still has not resolved the issue and even tells me that XXXX should reverse the fraudlent ACH.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the only thing I want to correct on my first dispute # XXXX. Is that I typed in the wrong year I first recieved my loan with XXXX in XXXX of XXXX. Not XXXX like I typed in.
Consumer complaint received 2017-05-10
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. (GA)

My name is   XXXX   XXXX  . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623 f cra*.   XXXX    and Equifax will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies ( which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX   which shows  XXXX  120 day late payments ( missed payment violation ) sec t 623 fcra states an account cant be listed more than 90 days past due which it shows 120  on both sites.  XXXX  collection account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).   XXXX   XXXX   bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Specialized Loan Servicing ( SLS ) claims it did not review my updated profit & loss statement that was submitted during the modification review process because it was signed electronically. 
SLS acknowledged in letters to me dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, they received my updated profit & loss statement on XXXX XXXX, XXXX and it expires on XXXX XXXX, XXXX. 
SLS never contacted by email, phone or in writing that there was any concern with the profit & loss statement. I contacted SLS and talked to their representatives through out the loan modification process many times and was never informed of any concerns about my updated profit & loss statement that was in their possession. 
Moreover, In the State of New Jersey - NJ Rev Stat 12A:12-7 ( XXXX ) - Legal effect and enforceability. A record or signature may not be denied legal effect or enforceability solely because it is in electronic form. A contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation. If a law requires a record to be in writing, an electronic record satisfies the law. If a law requires a signature, an electronic signature satisfies the law.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 XX/XX/XXXX
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (KS)

Synchrony Bank has sent unitemized bills and multiple harassing, " recorded '' phone calls for mysterious " balances '' charged for presumed, unspecified, apparently fraudulent goods or services which neither the bank nor I can identify, verify, adjust or refute related to an XXXX credit card that I have shredded many months ago ( I 've subsequently made all my XXXX purchases from a different credit card from my XXXX ). I 've identified the transaction as a " scam '' which they have not denied or disputed, and have demanded, as documentary proof of the scam, a transcript and/or copy of the phone conversations that have allegedly been " recorded '' but am told that the caller " can not, '' as a matter of company policy, be sent to me thereby giving the officials of the Bank an intentional advantage that is inconsistent with official duty and the rights of customers ( see the legal definition of " corruption '' in XXXX ). This abusive behavior is clearly a systematic and unscrupulous exploitation of individual consumer vulnerability in the age of massive, electronic, impersonal, digital commerce and should be documented in detail, exposed and stopped.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2016-09-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CT)

About three years ago I purchased a mattress from Sleepy 's. The cost was about {$3500.00}. Since this was a new memory foam mattress, Sleepy 's did not discount the price but I was told that, as long as my credit checked out, the 'loan would be interest free, ' as long as I made my payments on time, I was given a Synchrony Bank credit card, and I put the payment schedule on my XXXX On-Line Banking account to ensure that the payments were made in plenty of time to meet the deadlines and I would never be late making a payment. 
Recently I opened one of my statements for this account and noticed that I was being charged nearly {$1800.00} in interest. In calling Synchrony and asking how this was possible since I had made all the payments on time, I was informed that I had failed to repay the principle by the end of the 'holiday period ' and therefore was being charged interest at the rate of 29.9 % retroactively from the time I bought the mattress, a fact that I was totally unaware of when I bought the mattress. 
I am XXXX years old and have been a XXXX for over 50 years. I also have a XXXX income and a XXXX net worth so the amount of money involved is almost immaterial to me. However at the same time this type of behavior totally incenses me. It is bald faced trickery. The only excuse for making this type of loan in the first place is to collect 29,9 % interest from people who have little or no credit risk. I am sure somewhere in the 'fine print ' of the original contract this fact ( the 'loan holiday ) was described, probably in great detail but how many people in my business especially have time to read contracts like these, and how many poorer people can understand them?
Consumer complaint received 2016-11-23
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC (TX)

I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. 

When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.