davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NY)

Applied for Care Credit, which was issued through Synchrony bank. Last month, out of the blue, they charged me {$1100.00} in early interest fee. I was told that I did not pay off the loan within six months so they charged an extra {$1100.00}. this is on top of the regular monthly interest charge that I am paying. No where when I applied for the loan was I told that I would have to pay an EXTRA {$1100.00} in six months. I never would have taken the loan from them. They are a rip off and claim that they were putting this on the statements. I was NEVER EVER TOLD THIS Initially, if so, I WOULD HAVE NEVER AGREED TO THAT. Why must I pay {$1100.00} in interest after 6 months on a {$7500.00} loan and PLUS pay regular interest charge every month. 

MY ACCOUNT NUMBER WITH THEM IS : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XXXX Bank home equity line provided the incorrect date of last payment. The date that they claim to be the last date of payment is XXXX XXXX. However, the last date of payment was actually XXXX XXXX. The date of last payment on the first mortgage was also XXXX XXXX. XXXX XXXX Bank is alleging that I continued to make payments after the final judgemnt of foreclosure on my first mortgage. The final judgement of foreclosure was XXXX XXXX, XXXX. My home was sold at auction on XXXX XXXX, XXXX. XXXX XXXX Bank was in second lein position as a home equity line. XXXX XXXX Bank has not provided any proof of their alleged date of last payment. I would like this case to be investigated and corrected. XXXX XXXX Bank has put a cloud on my credit and I am financially affected by their incorrect date.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As of XX/XX/XXXX the company and credit claimed they done an investigation But that can't be possible when I have no consumer reporting company any WRITTEN INSTRUCTIONS to do so ALL COMPANY AND BUREAS INVOLVED IN THIS MATTER IS IN VIOLATION OF THE LAW!!!!!!! 


XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request FCBA dispute resolved - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help.
Consumer complaint received 2016-05-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (RI)

The insurance group of several leasing / loan auto companies, ( XXXX XXXX XXXX XXXX Washington I believe ), keep sending me faxes that have nothing to do with me and have the personal information of other people. The most recent one was sent at XXXX. I have called them to stop it but there is no one to talk to. I have left 5 messages. I am starting to believe that some low level employee is doing it on purpose.
Consumer complaint received 2019-07-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

I am attempting loan modification on property located at XXXX XXXX XXXX XXXX, MA XXXX. First issue is : 1 ) mortgager service is attempting to collect a debt while in bankruptcy and while in review for loan modification ( dual tracking ) -- Second Issue 2 ) But more significantly, their attempts to collect arrears are based on a monthly mortgage payment which does not compute to the terms of the loan origination. The note and mortgage originated in XX/XX/XXXX at 7.375 % over 30 years. Presently the terms being enforced are 5.25 % with the entire balance due.. No prior modifications on this loan have been received. I have attempted to fix this problem with them before but to no avail. They servicing of this mortgage and their subsequent transfers have resulted in them either losing the original terms of mortgage or the investor has tried to take advantage of the mortgagor/debtor by tweaking the terms of payment in order to foreclose. Historically i paid on this mortgage in accelerated fashion between XX/XX/XXXX andXX/XX/XXXX on the order of {$110000.00} -- none of these payments were properly applied. I was only 2 months behind when i filed in XX/XX/XXXX. My payment then was about {$1700.00} a month PITI.  Now my payment is {$2500.00}. I called them and they explained that my loan matured in XX/XX/XXXXand that they could not explain the math. I explained that my accelerated payments to them while in active Chapter XXXX should be applied retroactively on the same terms of origination and amortization as that provided in XX/XX/XXXX when i took the loan out. They seemed confused. I sent Mr. Cooper ( formerly Nationstar then formerly XXXX  XXXX then formerly Aurora loan Services ) Proof of the voluntary dismissal of my bankruptcy. They agreed that the terms now being enforced are erroneous but have made no efforts to fix it. I will send a copy of the letter ( formal dispute ) i recently sent Mr. Cooper Loan # XXXX including disbursements and orders of the trustee in bk under my original case XXXX. Mortgagor has provided a complete loan modification packet to Mr. Cooper and is in underwriting but without CFPB involvement concern is that Mr. Cooper will miscalculate debt owed resulting in more troubles.
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ). 

On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ). 

This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (MI)

I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date. However, the company never provided any documentation validating this account.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XX/XX/ - my account was closed with no notice due to a merchant charging my account into the overdrafts. Ive complained to Santander for weeks about said situation. Nothing was ever done. 

XX/XX/XXXX  - a {$4300.00} deposit was released to Santander bank account but due to account closing, I curently have no access to funds which were released.!
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/2019, my wife and I purchased a massage chair from Mattress Firm. They had informed us about making a monthly payment for this chair. Since receiving the chair, we have been billed several different amounts. Synchrony bank first sent a bill for {$92.00}, then {$37.00} and now they have sent another for {$67.00}. At this point, we have been trying to return the chair because we feel this will negatively impact our credit and do not want the hassle. Mattress Firm is unwilling to return the chair. Then, in XX/XX/2019, we received a bill from XXXX XXXX  for the same chair! We were unaware of two different credit companies billing us for the same product. I have filed a fraud claim with XXXX, and also informed them that my salesman is not answering his phone or returning any calls about this matter. The last time I spoke to him about the XXXX issue he told me not to worry about paying them! At this time, we are unsure of what to do or where to go, but we definitely do not want this chair anymore!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XX/XX/XXXX did a credit report without my consent and XXXX XXXX  did a credit check with my consent XX/XX/XXXX XXXX XXXX  did a credit report without my consent XX/XX/XXXX and SYNCB Amazon place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (CO)

OK so XX/XX/2018 was a Friday afternoon. I called XXXX to try and settle a debt That I have in the amount of {$470.00}. After explaining to an agent what I was calling for they then looked up my account and tell me that I had another account with them as well. After they explaining to me the amount on the second account that I have with them. They proceeded to ask me how I wanted to take care of the accounts. I then explained to them that I wanted to pay {$470.00} and pay off one of the accounts. I also explained with pain that I would like to have a paid in full for that account I was paying towards. They then told me that they couldnt give me a paid in full receipt until I paid the second account as well. I feel since theyre two separate accounts they shouldnt fall under the same account and I should be able to get a receipt for two different accounts. One of the accounts that they were also wanted to collect on I have disputed it with XXXX XXXX and XXXX and has been taken off my credit report so I dont feel I have to pay that to them since it has been disputed. So my concern is paying them {$470.00} so I can get a paid in full receipt for that account. That one account is holding me back from getting an apartment of my own so I can have somewhere to live. If I could get some kind of resolution I would greatly appreciate it.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$620.00} XXXX5 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avant Credit Corporation (CA)

I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. 

On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

My problem is that my loan was {$4000.00} and I have been paying {$59.00} monthly since 2006. I asked them how much I still owe and they sent me info that I still owe {$3700.00}. Please direct me what I can do about Navient. My loan was with XXXX XXXX originally. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2018-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I had a checking and a prepaid accounts with Chase Bank, and on XX/XX/XXXX I contacted the Chase XXXX number to file a dispute on a transaction that was posted to my prepaid card incorrectly, and that dispute request triggered the representative at the overseas center to enter my name and credit information on XXXX XXXX XXXX without informing me of that. He also shut my accounts with Chase without my knowledge. A few days later when I was trying to make an atm deposit, I noticed that my card was not working and went to the local branch in XXXX XXXX, CA, and after sitting with a representative for over an hour, I was informed that my accounts were shut and closed by the bank and no further information was giving to me. I contacted Chase Bank several times to try to get the information on the unexpected closure of my accounts and the response was that they did not have any additional information. OnXX/XX/XXXX I filed a complaint with BBB and received a letter from Chase Executive Office dated XX/XX/XXXX advising me that Chase Bank submitted a request to remove reporting of my information from XXXX XXXX XXXX. On that letter, there was a contact name for XXXX ( ext. XXXX ) and I called on XX/XX/XXXX to speak with her and ask if correction to my information have also been made for Chase Bank, and XXXX was unavailable, so I spoke with XXXX. XXXX had no information in regards to correction to my Chase file, so I contacted Chase again on XX/XX/XXXX and spoke with XXXX, who also had to access to that information. He told me that someone from that department would contact me to discuss that information and later on, I received a call from a representative named XXXX, who confirmed that Chase has requested removal of my information from XXXX XXXX XXXX, but not from Chase, and I can no longer bank with Chase. She did not provide me detailed information on why and how this remark was added, or how to have this information corrected with Chase. I have no history of fraud or account abuse and I believe this negative remark to both XXXX XXXX XXXX and Chase Bank was done in error, so I want to request assistance to get a corrections to my credit records and personal information with the Chase records as well.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (HI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I attempted to make a payment to my landlord using PayPal on XXXX XXXX XXXX for {$2500.00}, and accidentally entered the wrong email ( it was a non-functional address ). I immediately cancelled the payment, within 3 minutes of initiating it, but the funds were subsequently removed from my bank account anyways on XXXX XXXX, XXXX. It took until XXXX XXXX, XXXX for the funds to be returned ( during which time my bank account was overdrawn, as I had to write a paper check to my landlord that was immediately deposited ). I attempted to call PayPal during those three days ( between the cancelled transaction and the return of funds ) to ensure the transaction was indeed cancelled and inquire about the status of my funds. I was unable to reach anyone when calling the Help Center, and when attempting to use their Resolution Center, received a message " Let 's try that again. Looks like something went wrong on our end. '' repeatedly, from different computers at different times. Eventually the funds were returned to my bank account, having caused an overdraft fee and damage to my credit score. On XXXX XXXX, XXXX, the same transaction was attempted again ( for {$2500.00} to an incorrect email address ) for some reason even though it was cancelled originally, and my bank was again overdrawn with the now completely unauthorized transaction to a nonsense email that had been cancelled. I was able to speak to a representative on the phone, but when I requested the ability to file a complaint and request coverage of my bank fees I was put on hold for an hour with no response. And I am still unable to file a complaint using the online Resolution Center. 

The result of this issue, the harm caused to me as a consumer, is three fold. First, I now twice have had my entire bank account cleared which leaves me without money, for emergencies or needs or anything. Second, I am incurring overdraft fees through my bank for a transaction I did not want to go through, twice. Third, my credit score will be affected, which has serious and long-term implications. The problem at the core is that I was unable to resolve the issue with PayPal via any of their supposed methods to resolve issues.