davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I have mortgage insurance on my mortgage loan and now have the funds to lower my loan to an amount acceptable to remove the mortgage insurance. I have been trying to get the mortgage company to comply with removing it but they continue to give me the runaround and will not help to get this resolved. I attempted to start this process in XXXX of 2015 and have made no less then XXXX calls to them including emailing a form document they requested to have this removed. I then called on XXXX and spoke to XXXX and XXXX ( the supervisor ) for 57 minutes before they assured me I will receive an email outlining what I need to complete so they can remove the mortgage insurance. I never got that email. I then call back on XXXX and spoke to XXXX. Again 33 minutes later she assured me she would forward my information to the loan department and I would get a call back that same day. I never got a call back. It is very frustrating as if I owed them money they would be calling me 5 times a day to get paid but because this it something to benefit me they are refusing to help. This is very unfair as I have the funds to pay in to get it removed but I can not get a straight answer.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (RI)

In XXXX of XXXX I purchased a mattress from XXXX total cost was around {$2800.00} and was offered a promotional 0 % interest credit card promotion from Synchrony Financial formerly GE Capital. I also set up automatic payments and e-bills rather than paper bills. In XXXX of XXXX my promotional offer ended and I was charged differed interest at a 29.99 % rate in the amount of about {$960.00}. In my ignorance I did not realize that my promotional rate had expired until a few days ago. I found not only was I charge the XXXX but had been charged interest a 29.99 % of the new total balance for the past 6 months. I did not understand that this was a differed interest rate or should I say I misunderstood. So overall I have now been charged a total of XXXX in interest so more than half of the original cost for the matters. I believe that these differed interest rates deals are deceiving and in some cases predatory. They were once outlawed but stores and companied lobbied for them and congress created a loop-hole in the system. I have found many more who have been duped with this deal and I want to make others aware. If you have any ideas as to how I could reverse this I 'd appreciate it.
Consumer complaint received 2016-01-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law '', this information should of been disclosed. I have had nothing but problems with this " junk ''. I tried taking the vehicle back to the dealership only to be deceived several times. I even tried trading the vehicle only to find out that I owe way more on the vehicle than what it 's worth. I simply CAN NOT afford this vehicle.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Fairway Collections, LLC (WA)

I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for.
Consumer complaint received 2016-01-01
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (FL)

I had an account with SLS under account number # XXXX which was a secured credit line for my home. This account was transferred from XXXX XXXX to XXXX on XXXX, 2013. This loan had a maturity date of XXXX, 2013 and during the month of XXXX, 2013, I called my lender and asked for a loan modification in order to extend the maturity date. I was told that it would be a simple process and kept making payments beyond the maturity date ( checks were accepted by SLS and cashed until XXXX, 2013 ). I was not told that the loan modification would take one year, that I would be reported late, and instead, I was told to continue making payments after XXXX, 2013. On XXXX, 2013, however, SLS stopped accepting my payments and they started to report me as late until they completed their loan modification process. They were slow, negligent and mishandled the loan application process to my detriment. They extended the loan maturity date of XXXX, 2013 by continuing to accept my payments and should not have reported me late to the credit bureaus. I am requesting that they remove all derogatory remarks from my credit report, given that I relied on their statements, I continued to make payments beyond the maturity date, as agreed, I was not told I would be reported late if I went through the loan modification process, and they took 12 months to process the extension, which was eventually granted, but by then I lost my home, since I was not able to refinance due to their negative credit reporting.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax has allowed XXXX to report inaccurate information for over five years on my credit report. After multiple times disputing with Equifax and XXXX I have now filed my first lawsuit against both companies. I have another lawsuit that is being prepared against Equifax. Equifax has put me through the ringer for over a year and a half. The XXXX account should not be reporting as it is incorrect information and must be removed. The account reported as a charge off on my credit file when they actually sold the debt. Once the debt was sold in XXXX 2010 it should have updated on my report to list as sold. I have disputed this multiple times with both companies and previously disputed with Equifax through CFPB. I am currently disputing this with XXXX through CFPB case number # XXXX. My previous dispute through CFPB against XXXX was closed out with a simple letter stating that they had responded to me last year. Well my dispute was not the same as the response they sent last year. I have now filed suit against both companies.
Consumer complaint received 2015-12-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

I paid my car loan off on XXXX/XXXX/2015, Kia Finance stated they would send me the title on XXXX. Instead, they sent it to my XXXX XXXX XXXX mother in CA ( we are XXXX on the loan to get lower interest. ) They refused to send it with tracking, and it is missing. They have refused to replace the title that is lost, leaving me no way to sell the car. They said they would send me a lien release, but offer no solution when that gets lost, and they refuse to track the document.
Consumer complaint received 2015-12-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Google Compare Credit Cards Inc. (MD)

I have a Google Wallet account which I use for several different services provided through Google, Inc. Abruptly, and without warning, my Wallet was closed. I was not provided a reason. They told me that there was suspicious activity, and asked for verification information. I provided : a photograph of my passport, a photograph of my Driver 's License, the credit card on file, another debit card from my current banking institution, and a photograph of myself with the date and time, confirming that I was who I purported to be. 

I have attempted to resolve this issue through their resolution center several times, but they have done nothing, except leave me vague e-mails and point me towards their Terms of Service, which appears to be a contract of adhesion, giving the company the power to do, essentially, anything they wish to do. This strikes me as unfair. 

Moreover, they claim they are not a bank, even though their service allows you to make deposits, withdrawals, issues a credit card, provides bill payment services, and fund transfers. 

What, exactly, is one person supposed to do against a monolith like this when they have a problem? If XXXX XXXX XXXX abruptly shut down my account for no reason, I have a feeling the SEC, FTC, and your agency would have several questions. Why is a technology firm except from this scrutiny?
Consumer complaint received 2016-01-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: RAYMOND JAMES BANK (MO)

I had CDs on the other ( outside ) side of the bank ( XXXX ) that paid a better interest rate with a custodian ( Cetera ), whereby they opened and moved those assets to Raymond James Financial that I did n't request, The service was inappropriate, was stated soon to be a floor of {$500000.00}, and that a transfer fee to an existing other ( TDA ) account would be " waived ''. The account annual fees were substantially higher, and the transfer fee was not waived, I was lied to, feel that the entire process was an act of fee engorgement and account churn for the institution, and not the client.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I had a XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be one less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with Equifax because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to Equifax in my dispute that if XXXX has it closed that they should be reporting the same. In fact, Equifax removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
Consumer complaint received 2016-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (SC)

Pinnacle purchased a debt from XXXX. They repeatedly change the Date of 1st delinquency and the date opened/closed I have copies of my credit report to prove the XXXX companies continue to change the date of 1st delinquency.
Consumer complaint received 2024-11-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kenneth, Eisen & Associates, LTD. (AZ)

Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. 
I have contacted this collection firm, through email and postal mail. 
Have contacted XXXX complaint filed.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.
Consumer complaint received 2015-12-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

XXXX XXXX. 

When i signed up for the school they promised top of the line class education. I graduated from XXXX School with a XXXX GPA. How can I get XXXX in college. The classes were kindergarden education. After graduation they also promised career placement. I went to several jobs and they were all sales jobs. Nothing to do with XXXX or XXXX. Im still trying to pay these loans.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now. 
I feel like they are employing tactics that were outlawed for a few years now.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

We bought a mattress from Macy 's in XXXX of 2014 for {$930.00}. It was picked up in the same month. Apparently the charge has been pending all this time, and we have n't been able to pay off our credit card. We 've gone into the Macy 's where we purchased the mattress to try to resolve the issue, which they were not able to do. I chatted in multiple times to try to fix the issue, only to have my account charged another {$930.00}, so now I owe XXXX. Phone calls to customer care led me to a foreign call center, asking if I want to dispute a charge that was created on the Macy 's end. I do n't understand how a company can be so reckless with how purchases are handled with their store card, and no one seems eager to fix it. I did n't realize that paying off a credit card can be such a difficult task. How can a purchase charge be pending for more than a year? How can this go unresolved for so long?
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NJ)

I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX Mortgage account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the credit bureau ( Equifax ) but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VT)

I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement.